How does cash-back work?

On Chase credit cards, rewards are first earned as points on all of the purchases you make on your Chase credit card. These points can be redeemed for cash-back at the rate of 1 cent each (hence the term “cash-back”). The points earned on Chase credit cards are Ultimate Rewards Points, and they accumulate in your rewards account until you choose to redeem them.

How does 0% APR work?

A 0% APR credit card is a normal credit card that offers a special introductory period when no interest is charged on purchases made and/or on balances transferred from other credit cards. Instead of being charged interest when you carry an ongoing balance month to month, no interest is charged for the first 12 months after card approval. If you have high-interest credit card balances and your new card is a 0% APR credit card, you can transfer those balances and take 12 months to repay the debt without interest. It’s important to pay off any balances prior to the 12 month period ending, or you will be charged significant interest. See details above for the specific offers on the cards we discussed here.

How do I redeem Ultimate Rewards Points for travel?

When you make purchases on your credit card, you earn Ultimate Rewards Points that can be redeemed for cash-back, gift cards, statement credits, or travel. To redeem for travel, you would sign in to your Chase online account and click the Ultimate Rewards banner. You will be taken to the Ultimate Rewards site, where you can book travel using your points at the rate of 1 cent per point in value. You can receive even greater value (up to 2 cents per point), if you have a Chase premium Ultimate Rewards credit card such as the Chase Sapphire Reserve card or Chase Sapphire Reserve Business card.

Which card is best for a small business?

The best business credit card for a small business is one that matches your business spending. Since each of these cards has different bonus spending categories, you’ll want to select the card that aligns with your greatest expenses. For example, if your business spends a lot on travel, the Ink Business Unlimited card may work well for you. If you spend a significant amount on office supplies, internet, and phone services, you may fare better with the Ink Business Cash card. You’ll need to estimate your annual expenses in each category and select a business credit card that rewards those categories.

Ink Business Cash Card vs. Ink Business Unlimited Card [Detailed Comparison]

Updated: June 23, 2025, 8:17am CDT

Edited by:

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Table of Contents

Key Takeaways
Overview
Reasons You Need a Business Credit Card
Who Qualifies for a Business Credit Card?
The Value of a Welcome Bonus Offer
Earning Potential
Redemption Options — Which Card Has More Value Now?
Travel Protection Compared
Shopping Protections and Benefits
Fees and Additional Users
Final Thoughts

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Key Takeaways

The Ink Business Cash^® Credit Card provides 5% back on up to $25,000 spent in combined purchases across key business categories like office supplies and internet services, and 2% back on up to $25,000 in combined purchases spent at restaurants and gas stations.
The Ink Business Unlimited^® Credit Card offers a flat 1.5% cash back and 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter.
Both business credit cards are great options, but the key difference lies in their bonus categories and the spending limits on those categories.

As a small business, it’s prudent to look for ways to operate efficiently and leverage any opportunity to bring more value to your bottom line.

A business rewards credit card can help you accomplish these objectives by keeping your business and personal expenses separate and letting you utilize cash-back, points, or miles to offset bottom-line costs.

If you’re looking for a Chase business credit card that compliments and supports your small business operation, the Ink Business Cash^® Credit Card and the Ink Business Unlimited^® Credit Card are especially good choices since they may reward many of the business-related purchases you’re currently making.

But which one is best for your business? Let’s find out now.

Overview

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	Ink Business Cash^® Credit Card	Ink Business Unlimited^® Credit Card
Welcome Offer	Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.	Earn $750 cash back after spending $6,000 on purchases in the first 3 months
Earning	5% cash-back on the first $25,000 in combined purchases every cardmember anniversary year at office supply stores and on internet, cable, and phone services; and Lyft (through September 30, 2027) 2% cash-back on the first $25,000 in combined purchases every anniversary year at restaurants and gas stations 1% cash-back on other purchases	5% cash-back on Lyft through September 30, 2027 1.5% cash-back on other purchases
Top Redemption Options	Chase Travel portal bookings Gift cards, Statement credits/cash-back, Apple purchases, Amazon.com, PayPal.com
Top Travel Benefits & Protections	Primary rental car insurance, travel and emergency assistance services, roadside dispatch
Shopping Benefits & Protections	Purchase protection, Extended warranty, 3-month complimentary Instacart+ membership and $20 monthly Instacart credit (terms apply; benefits end December 31, 2027)
Annual Fees & Authorized Users	$0 annual fee No additional annual fees for employee cards	$0 annual fee No additional annual fees for employee cards

Reasons You Need a Business Credit Card

A business credit card can help with organizing your purchases, tracking expenditures by employees, and even saving you money.

There are several reasons a prudent business owner needs a dedicated business credit card:

Establish Business Credit — While the strength of your personal credit helps you secure your initial business credit card, as time goes on, your business will establish credit on its own. Business credit can be used to secure a loan or other financing.
Keep Expenses Separate — One of the primary reasons to have a business credit card is to keep personal and business expenses separate.
More Bonus Spending Categories — Business credit cards tend to have more business-related bonus spending categories such as shipping, office supplies, travel, and gas.
Higher Credit Limits — Business credit cards tend to have higher limits than personal credit cards.
Business-related Benefits — You’ll find more business organizational tools on business credit cards, such as programs that sync with accounting systems, annual statements, and employee credit cards.

Bottom Line: Business credit cards provide increased benefits, additional organizational tools, and more opportunities to earn rewards on business purchases than personal credit cards.

Who Qualifies for a Business Credit Card?

Small business — You don’t need a brick-and-mortar business to qualify for a business credit card. Image Credit: Jonas Jacobsson via Unsplash

You don’t have to run a large operation to qualify for a business credit card. You can apply for a business credit card even if you have a small side business, such as selling on eBay or umpiring baseball part-time.

Some states require you to have a business license, and it’s always good to register your business if it’s required. Having a DBA (Doing Business As) or an LLC (Limited Liability Company) can add credibility and help improve your chances of getting approved for a business credit card.

Access the U.S. Small Business Administration’s website for more information on registering your business name and determining if a state or federal license is required for you to operate.

The Value of a Welcome Bonus Offer

Both of our featured cards have a welcome bonus offer that can be earned after meeting initial minimum spending requirements.

While welcome bonus offers may change, let’s take a look at what you can expect with each card:

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750

UP's Offer Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

Card Highlights

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Offer Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Pros & Cons

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Cons

3% foreign transaction fee

Read Full Review

Card Highlights

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

These are cash-back cards, but the rewards are earned as Ultimate Rewards points that can be redeemed for 1 cent per point for cash-back or travel via the Chase Travel portal. If you have a premium Chase credit card, you can transfer your points to that card and redeem them for up to 2 cents per point and utilize hotel and airline partners.

Both cards earn generous cash-back welcome bonus offers for minimum initial spending in the first 3 months after card approval. You’ll also have ongoing earnings of valuable Ultimate Rewards Points that can be redeemed for cash-back, travel, merchandise, and more. Further, both cards are 2 of the best 0 apr business credit cards.

Earning Potential

While either of these Chase business credit cards could make a positive contribution to your small business operation, one card may be better suited to the specific spending patterns of your business.

With all the great attributes these cards have in common, it’s their earning differences that will determine which is the better business credit card for you.

Let’s compare rewards-earning categories on each of these cards and look at how the mix of your business expenses determines your earnings on each of these cards.

Bottom Line: The benefits of the Ink Business Cash card and the benefits of the Ink Business Unlimited card are similar in many ways, but their earning structure is the key to selecting the right business card for your specific business operation.

Bonus Spending Categories

Office supplies at Staples — Select a business credit card that rewards your largest purchases. Image Credit: Staples

At first glance, we see that the Ink Business Cash card has 5% and 2% cash-back categories (which are capped on the first $25,000 spent annually), compared to the Ink Business Unlimited card’s flat 1.5% on every purchase.

You might jump at the chance to earn 5% or 2% cash-back, but let’s dig deeper and see if that’s the right decision for the specific mix of your business spending.

If your business spends a lot on travel, advertising, and shipping, the Ink Business Unlimited card may be better suited to your business spending priorities.

Conversely, if your business spends a lot on office supplies, internet/cable/phone, gas, and restaurants, you could fare better with the Ink Business Cash card.

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Business Spending Category	Ink Business Cash Card	Ink Business Unlimited Card
Travel Booked Through Chase Travel	5% cash-back	5% cash-back
Lyft (Through September 30, 2027)	5% cash-back	5% cash-back
Travel	1% cash-back	1.5% cash-back
Restaurants	2% cash-back	1.5% cash-back
Office Supplies	5% cash-back	1.5% cash-back
Internet Service/Cable/Phone	5% cash-back	1.5% cash-back
Gas Stations	2% cash-back	1.5% cash-back
Advertising on Social Media/Search Engines	1% cash-back	1.5% cash-back
Shipping	1% cash-back	1.5% cash-back
All Other Purchases	1% cash-back	1.5% cash-back

Remember that the Ink Business Cash card’s bonus earning is capped to the first $25,000 spent in combined purchases on 5% categories, as well as the first $25,000 spent in combined purchases on 2% categories.

Bottom Line: Bonus business spending categories can accelerate earnings, but only if you have significant spending in those categories. If most of your business spending is in the Ink Business Cash card 1% categories, for example, you may want to consider the Ink Business Unlimited card to earn 1.5% on every purchase.

How Limits Can Affect Your Earnings

It’s a clear positive that the Ink Business Cash card has 5% and 2% earning categories, but each of these categories has a $25,000 limit per account year. Above that amount, you’ll only earn 1% cash-back.

The Ink Business Unlimited card offers unlimited 1.5% earnings.

A business that requires a lot of travel, gas, and restaurant spending may exceed the $25,000 annual limit on the 2% categories of the Ink Business Cash card, while they could earn 1.5% on every purchase with the Ink Business Unlimited card. You’ll also only earn 1% on the Ink Business Cash card for travel-related expenses.

Here’s an example of heavy spending in these categories that shows how earnings are affected by the mix:

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Expenses	Ink Business Cash Card	Ink Business Unlimited Card
$40,000 spent on travel	$400 (1% of $40,000)	$600 (1.5% of $40,000)
$15,000 on restaurants + $15,000 gas	$500 (2% of first $25,000) $50 (1% of $5,000)	$450 (1.5% of $30,000)
Total Earnings	$950	$1,050

Bottom Line: If your business has purchases that exceed bonus category spending limits, your earnings will start to diminish after you reach those limits. Estimate your expenses up front and do some quick calculations before selecting a business credit card to ensure it’s a good match for your mix of business spending.

Redemption Options — Which Card Has More Value Now?

Chase travel portal — Redeem your Ultimate Rewards Points for travel for 1 cent each, or transfer to a premium Chase credit card for up to 2 cents in travel value for each point. Image Credit: Chase

Both the Ink Business Cash card and the Ink Business Unlimited card earn valuable Ultimate Rewards Points that can be used as cash-back or redeemed for travel, purchases on Amazon, gift cards, and statement credits.

Either card can deliver value to your bottom line by redeeming your points for cash-back at the rate of 1 cent per point. If earning rewards to use for travel is your priority, the best option is to pair one of these cards with a Chase premium card to receive more value.

Let’s take a look at how the value of your Ultimate Rewards Points differs by card when redeeming for travel:

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Chase Credit Card	Value of Ultimate Rewards Points When Redeemed at Chase Travel	Value of Ultimate Rewards Points When Redeemed for Cash-back
Ink Business Cash card Ink Business Unlimited card	1 cent per point	1 cent per point
Ink Business Preferred^® Credit Card Chase Sapphire Preferred^® Card	Up to 1.75 cents per point for premium airline tickets Up to 1.5 cents per point on hotels and participating airlines	1 cent per point
Chase Sapphire Reserve^® Sapphire Reserve for Business℠ Card	Up to 2 cents per point for premium airline tickets or hotels	1 cent per point

Hot Tip:

Chase Ultimate Rewards points earned on the Ink Business Cash card and the Ink Business Unlimited card increase in value (up to 2 cents per point) when transferred to a premium card and redeemed with Chase Travel. Transferring your Ultimate Rewards points also allows you to transfer points to the Chase airline and hotel partners for potential added value.

Travel Protection Compared

Travel benefits and protections on the Ink Business Cash card and Ink Business Unlimited card are identical and include the following:

Auto Rental Collision Damage Waiver — Pay with your card, decline the rental agency coverage, and you’ll receive primary coverage when renting a vehicle for business purposes in the U.S. and abroad. The coverage will pay up to the actual cash value of the vehicle. Most credit cards provide only secondary coverage, so having primary coverage is a real advantage.
Lost Luggage Benefit — Report the loss of your luggage to the carrier first, then submit a claim for coverage of up to $3,000 for each insured person. Coverage is in excess of any remuneration received from the carrier.
Travel and Emergency Assistance Services — If you have a problem away from home, you can call 24/7 for free legal, medical, travel, or emergency referral assistance. The cardholder is responsible for the cost of actual services.
Baggage Delay Benefit — When baggage is delayed more than 6 hours, you may receive $100 per day for up to 3 days. This coverage is in excess of the remuneration received from the carrier.
Roadside Dispatch — You’ll have access to roadside dispatch service 24/7. Available services include delivery of gas, towing, jumpstarting, tire changing, and lockout service. The cardholder is responsible for the cost of actual services.
Travel Accident Insurance — Provides up to $500,000 for a covered loss due to a covered accident.

Shopping Protections and Benefits

Extended Warranty — Receive an additional year of warranty coverage on U.S. manufacturer’s repair warranties of 3 years or less. You must charge some portion of the item’s purchase price to your card.
Purchase Protection — Your qualifying purchase made with your credit card receives 120 days of coverage against damage or theft, up to $10,000 per claim and $50,000 per account.
Complimentary Instacart+ Membership and Monthly Credit — Receive a 3-month complimentary Instacart+ membership. Plus, get a $20 monthly Instacart credit when you have an active Instacart+ membership and pay for your purchase with your eligible card. Benefits end December 31, 2027.

Fees and Additional Users

Neither card charges an annual fee, so that’s a positive — but both cards charge foreign transaction fees of 3%.

Both cards provide free employee cards, so you can monitor those expenses and earn rewards on every purchase your business makes.

Final Thoughts

The Ink Business Cash card and Ink Business Unlimited card are similar cards when we compare redemption options, benefits, shopping protections, and business features.

Neither card charges an annual fee, and both cards charge foreign transaction fees. The real bottom-line difference in these business credit cards is the mix of bonus spending categories and limits on some of those categories. If your business spends a lot on travel, advertising, and shipping, the Ink Business Unlimited Card might deliver better earnings.

However, if your business spends a lot on office supplies, internet, cable, and phone services, restaurants, and gas (and doesn’t exceed $25,000 in each bonus earnings category), the Ink Business Cash card will be the better choice.

You can’t go wrong with either business credit card, and you may even want both of these cards to make sure you earn top rewards on every purchase.

Just 1 more recommendation: think about pairing these cards with a premium Chase credit card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card to maximize the value of all those Ultimate Rewards Points you’ll be earning.

Before applying for any Chase credit card, you’ll want to review Chase’s 5/24 rule. This rule concerns how many credit cards (from any issuer) Chase allows you to have opened in the past 24 months before they will not approve you for a new credit card.