English Español

Home / Cards / Card comparisons / Ink Business Cash vs. Ink Business Unlimited

A café owner in an apron working at his counter while staff prepare drinks behind him

Card comparisons

Ink Business Cash® Credit Card vs. Ink Business Unlimited® Credit Card

A side-by-side look at annual fee bands, rewards style, credit range, foreign transaction fees, pros, cons and gotchas, using only the card facts we've checked on each issuer's site. We don't list welcome offers or APRs because they change often.

Card details last reviewed October 2, 2026. Confirm everything on the issuer site. Our editorial policy.

Advertising disclosure: We may earn a commission from some links on this site, but the card links here currently go straight to issuer sites (no affiliate links). We aim to recommend products based on fit for common spending patterns and responsible use—not solely on payout size. Affiliate disclosure.

Side by side

Ink Business Cash® Credit CardInk Business Unlimited® Credit Card
IssuerChaseChase
NetworkVisaVisa
Card typeBusinessBusiness
Card forBusinessBusiness
Annual fee band$0$0
Welcome offerCheck issuerCheck issuer
APR and any intro APRCheck issuerCheck issuer
Credit typically targetedGood, ExcellentGood, Excellent
Rewards typeCash backCash back
How it earnsElevated cash back at office supply stores and on internet, cable and phone, plus gas stations and restaurants (caps apply); 1% else.Unlimited flat cash back of about 1.5% on business purchases.
Foreign transaction feeYesYes
Bonus category capsYesNo
FeaturesBusiness categories, GasFlat rate
Pros
  • Strong earn on common office spending
  • No annual fee
  • Simple flat earn
  • No annual fee
Cons
  • Category caps
  • Only 1% outside bonus categories
  • Lower flat rate
  • No bonus categories
Watch out for
  • Personal guarantee is standard.
  • Chase 5/24 rule can apply.
  • Bonus categories have caps.
  • Personal guarantee is standard.
  • Transferring points needs a Sapphire or Ink Preferred.
Last reviewedOctober 2, 2026October 2, 2026
LinksDetails
View on issuer site		Details
View on issuer site

Who should pick which

By the Credit Cards for Rewards editorial team · How we evaluate cards

Two Chase business cards with no annual fee, a personal guarantee and a foreign transaction fee. Ink Business Cash pays elevated cash back in set categories with caps and 1% elsewhere, while Ink Business Unlimited pays about 1.5% on every business purchase.

Pick the Ink Business Cash if…

  • A large share of spending goes to office supply stores, internet, cable and phone, gas or restaurants.
  • You'll watch the category caps and switch cards once you reach them.
  • You know Chase's 5/24 rule can apply to the application.

Pick the Ink Business Unlimited if…

  • Your business spending is varied and doesn't cluster in a few categories.
  • You want one flat rate with no caps to monitor.
  • Plain cash back is all you need for now.

Bottom line

Look over last year's statements: if a few categories dominate, the Cash card fits; if not, the Unlimited keeps things simple. Neither suits purchases made abroad, and current rates are worth confirming with the issuer.

More comparisons

See all card comparisons · Compare these or other cards in our comparison tool.

New to rewards cards? Read our guide: How to choose a first rewards credit card.