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The
Chase offers a trio of great credit cards for small businesses: the
The similarity of their names alone can make it hard for consumers to understand which one might be best for their needs. One major point of difference is that while the
As for the
Currently, these two cards offer
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Comparison of Ink Business Cash and Ink Business Unlimited
The Chase Ink Cash and Ink Unlimited have many similarities
Intro APR offer
Both cards currently come with a
You should never carry a balance month-to-month, as the fees are high enough to negate the rewards you'll earn with your card. A card with a 0% intro APR offer is a workaround.
Welcome bonus
Each welcome bonus is identical, too:
Using Chase Ultimate Rewards points
Although the
However, if you also hold an annual fee-incurring Chase card, namely the
You can combine your points from the
Insider's points and miles valuations estimate that Chase points are worth 1.8 cents each, on average, when redeeming them this way. That means the current bonus on each of these cards could be worth
Purchase protection
Both cards offer purchase protection against theft or damage as long as 120 days post-purchase, and up to $10,000 per claim and $50,000 per account. Each extends the US manufacturer's warranty on purchases by an additional year. Both also come with primary rental car insurance for rentals whose main purpose is business.
The difference between Ink Business Cash and Ink Business Unlimited
The major way these two cards diverge is in their earning structures.
The
The
The card earns 2% back (or 2 points per dollar) on the first $25,000 (then 1 point per dollar) spent each anniversary year in combined purchases at gas stations and restaurants. Finally, it earns 1% back (or 1 point per dollar) on everything else.
If your work-related purchases are primarily at office supply stores and on telecommunications with a mix of gas and dining, then the
However, if your business purchases are a bit more diverse — perhaps travel is a bigger component of your expenditures, or you spend a lot more on dining and gas than $25,000, then the uncapped
Which Chase Ink card is right for you?
To see which of these business cards will earn you the most rewards, let's look at a few different scenarios.
Let's say you either own or run a small business with an office for which you are responsible for making purchases, including a decent amount of entertaining. Your expenditures for the year might break down as follows:
- Office supply and telecommunications: $20,000
- Gas and dining: $10,000
- Other: $10,000
The
The
Now let's say your office is much bigger and your expenses are much higher, divvying up as follows:
- Office supply and telecommunications: $50,000
- Gas and dining: $30,000
- Other: $50,000
The
Let's now look at a really high-spending scenario where someone is managing a large office or workforce that requires not only supplies but also other expenditures, say for leases or extensive payroll or employee training.
- Office supplies: $50,000
- Gas and dining: $20,000
- Travel: $50,000
- Rent, payroll, other: $500,000
The
The
However, for digital nomads, freelancers, and those whose work expenses are smaller and more varied — perhaps including categories like travel, subscriptions, or even membership at shared workspaces — the
Here's a side-by-side comparison to help you decide which Ink card is right for you:
| Annual fee | ||
| Welcome bonus | ||
| Rewards rate | 5% cash back (5x points) at office supply stores and on internet, cable, and phone services*** 2% cash back (2x points) at gas stations and restaurants*** 1% cash back (1x points) on all other purchases | 1.5% cash back (1.5x points) on all eligible purchases with no cap |
| Card benefits | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch | Primary car rental insurance (when renting for business purposes) Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch |
| Review |
What to know about the Chase Ink cards
The
If you have a card that earns transferable Ultimate Rewards points, you can get even more value from your spending by moving your points from the