SIDE A
A
Chase · Visa
Ink Business Cash Credit Card
VS.
×
SIDE B
B
Chase · Visa
Ink Business Unlimited Credit Card
FILING
Head-to-Head · Plastic Quarterly
Both Chase Ink cards offer no annual fee and identical APR ranges, making them accessible for most business owners. The Cash card rewards category spending heavily—up to 5% back on office supplies and utilities—but caps rewards at $25,000 annually per category. The Unlimited card strips away categories entirely, offering a flat 1.5% cash back on all spending with no caps or limits. The choice depends on whether your business has concentrated spending in specific categories or diverse, uncapped expenses. The Unlimited card includes a higher signup bonus ($500 vs $350), which gives it an extra $150 advantage upfront.
THE VERDICT
Our ruling.
“Choose the Ink Business Unlimited if your business spending is diverse or exceeds the category caps. Choose the Ink Business Cash only if you spend heavily on office supplies, utilities, or restaurants within the $25,000 annual limit per category. For most businesses, Unlimited's simplicity and higher bonus make it the better pick.”
CHOOSE A
Side A is for you if…
- 01You spend more than $25,000 annually in office supplies, internet/cable, or gas—the 5% and 2% rewards in these categories significantly outpace 1.5% flat rate beyond the cap
- 02Your business has predictable, concentrated spending in bonus categories like restaurants or utilities
- 03You value the structured rewards model and prefer incentives that push you toward specific purchasing behavior
- 04You want maximum rewards on categories Chase prioritizes for business operations
CHOOSE B
Side B is for you if…
- 01Your business has variable, unpredictable spending across multiple categories without heavy concentration in any single area
- 02You prefer simplicity—no tracking category limits, bonus caps, or rotating bonus categories
- 03You spend more than $25,000 annually in bonus categories and want unlimited rewards on those purchases
- 04The $500 signup bonus and flat 1.5% structure appeal to you more than category complexity
THE LEDGER
Side by side.
- ISSUER
- Chase
- Chase
- NETWORK
- Visa
- Visa
- ANNUAL FEE
- $0
- $0
- APR RANGE
- 18.49% – 24.49%
- 18.49% – 24.49%
- INTRO APR (PURCHASES)
- 0% for 12 months
- 0% for 12 months
- INTRO APR (BALANCE TRANSFERS)
- None
- None
- REWARDS TYPE
- cashback
- cashback
- REWARDS RATE
- 1% cash back on all purchases
- 1.5% cash back on all purchases
- SIGN-UP BONUS
- $350 bonus
- $500 bonus
- BONUS VALUE
- $350
- $500
- MIN. CREDIT SCORE
- 670+
- 670+
- FOREIGN TRANSACTION FEE
- Yes (3%)
- Yes (3%)
A HIGHLIGHTS
Ink Business Cash Credit Card
- —No annual fee
- —5% back on office supplies, internet, cable, and phone
- —0% intro APR on purchases for 12 months
- —Employee cards at no extra cost
- —Fraud protection and purchase protection
B HIGHLIGHTS
Ink Business Unlimited Credit Card
- —Flat 1.5% cash back with no limits
- —No annual fee
- —0% intro APR on purchases for 12 months
- —Pairs with Sapphire for boosted point value
- —Employee cards at no extra cost
QUESTIONS · ANSWERS
Frequently filed.
If you spend $25,000 annually in 5% categories (office supplies, internet, cable, phone), you'd earn $1,250 in rewards. At 1.5% on $25,000, Unlimited yields $375. The Cash card wins by $875 on that category alone. However, if your total spending exceeds $25,000 in that category, rewards cap out on the Cash card, making Unlimited competitive again.