Ink Business Cash vs Unlimited: June 2026

TL;DR

• Pick the Ink Business Cash® Credit Card if your business spends heavily on office supplies, internet, cable, or phone services. You'll earn 5% cash back (up to $25k per account anniversary year) in those categories, plus 2% at gas stations and restaurants. The Ink Business Cash currently offers a $1,000 welcome bonus after $8,000 in spend in the first 4 months, the best public offer the card has ever had.

• The Ink Business Unlimited® Credit Card will be a good fit if your business spending is spread across many categories and you want a simple, flat rate of at least 1.5% cash back on every purchase. The Ink Unlimited comes with a $1,000 welcome bonus after $8,000 in the first four months.

• Get both for the strongest setup: use the Cash for its 5% and 2% categories, then use the Unlimited for everything else at 1.5%.

• Neither card counts toward your 5/24. Both earn cash back as Chase Ultimate Rewards points, but you need a Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Sapphire Reserve for Business℠ or Ink Business Preferred® Credit Card to unlock transfers to Chase travel partners like World of Hyatt, Aeroplan, and more.

• Both cards carry foreign transaction fees, so skip them if you or your employees travel internationally for business.

There are many business cards out on the market. Some are more complicated than others with high annual fees, credits, and offers to keep track of.

If you are looking for credit cards with no annual fees with (potentially) useful travel benefits, the Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card could be the card for you. The two cards are part of Chase's Ink business suite, with the key differentiators being their bonus reward categories.

What is the Ink Business Unlimited® Credit Card card?

This card is a great choice for those looking for a card with an excellent earning structure, the potential to turn cash back into travel points and a strong welcome bonus:

• Limited time bonus offer: Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months

• Earn 1.5% cash back on all purchases

• 5% total cash back on Lyft rides through Sept. 30, 2027

• 0% introductory APR for 12 months on purchases

This is a great card to keep in your business's wallet since it can save a lot on interest payments with 0% introductory APR for the first 12 months on purchases.

And the 1.5% cash back on all purchases. You can use this card at office supply stores, Costco, Home Depot, your local restaurant and get rewards for all of it. This doesn’t mean that the 1.5% return is the best return. But it's simple and straightforward.

The 5% cash back on Lyft rides is a nice bonus as well if you frequent rideshare apps. Can save you quite a bit of money over time.

One of the best and most important parts of getting the Ink Business Unlimited® Credit Card is that it will not count toward your 5/24. Business cards like the Ink Business Unlimited® Credit Card only show up on your personal credit report if you are particularly errant with your payments.

What is the Ink Business Cash® Credit Card card?

The Ink Business Cash is a popular card amongst business owners as it offers bonus earnings for common business categories and the potential to turn cash back into very valuable travel points.

It boasts a no annual fee with a solid, strong welcome offer and an impressive earning structure:

• Limited time bonus offer: Earn $1,000 after spending $8,000 on purchases in the first four months

• 5% cash back at office supply stores and on internet, cable and phone services (up to $25k/account anniversary year)

• 2% cash back at gas stations and restaurants (up to $25k/account anniversary year)

• 1% cash back on all other purchases

• 0% introductory APR for 12 months on purchases

Important to note that the 5% and 2% cash back returns to 1% cash back after $25,000 in spending in combined purchases yearly.

This card is intriguing as you can get more bang for your buck with the 5% cash back categories. For instance, you could get 5% back at a store like Staples for all your business needs.

The 2% at gas stations and restaurants makes for a decent earning rate for everyday spend on gas and food.

And don’t forget the 0% introductory APR for 12 months which can help with avoiding big interest payments. Like the Ink Business Unlimited® Credit Card, it will not show up on your 5/24.

How Can You Turn cash back Earnings To Points/Miles?

Both the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card have cash back earn that is accumulated as Chase Ultimate Rewards points. Each dollar in cash back is equivalent to 100 points. And with the right credit card combinations, you can transfer these points to Chase’s travel partners.

I have the Ink Business Cash® Credit Card alongside the Chase Sapphire Reserve®. This combo allows me to convert the cash back I earn on this card into Chase points which then means I can transfer these points to Chase’s travel partners. Some fan favorite travel partners include World of Hyatt, Aeroplan and True Blue.

Top Chase Ultimate Rewards Transfer Partners

• World of Hyatt: You can generally get 1.5-2 cents per point (CPP) valuation on your Chase points after you transfer them. One of my best hotel stays was when I booked a night at The Pell in Newport, Rhode Island for 12,000 points. This hotel usually costs upwards of $230 a night. A valuation of at least 1.9 cents per point!

• JetBlue TrueBlue: You can get around 1.3 CPP valuation with TrueBlue points. I like TrueBlue with JetBlue as JetBlue has a lot of redemptions near where I live in Massachusetts. Very nice for flights to New York or Florida.

• Aeroplan: This has to be my favorite Chase travel partner. It's Chase’s best travel partner because of the type of redemptions you can get. I recently used Chase points I accumulated on my Ink Business Cash® Credit Card from its welcome bonus to book a business class flight from New York to Paris for just 47,000 Chase points (equivalent to $475 in cash back). The flight cost 60,000 Aeroplan points but there was a 30% transfer bonus from Chase. This flight would have cost $1,500 dollars or more if I booked with cash. A great way to use your points to get incredible value.

If you have a Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can turn your cash back into transferable points to score some high value redemptions with Chase’s travel partners.

If you do not have any of these higher end Chase cards, you will not be able to convert the cash back you earn into redeemable points.

Full list of Chase Transfer Partners as of June 2026

You can view the full list of Chase transfer partners in the chart below, which is accurate as of June 2026. If you have a card that earns transferable Chase points and plan to pair it with the Ink Cash or Ink Unlimited, note that the rules for Hyatt transfer ratios have recently changed.

nextcard’s transfer bonus table is a helpful resource for comparing transfer partners across major credit card rewards programs in one place.

Which Card Is Better? The Ink Business Unlimited or the Ink Business Cash?

Both cards have excellent benefits. It just depends on what you are looking for with your business card.

The Ink Business Cash® Credit Card is the card for you if you don’t mind doing a little extra work to get some extra benefits. All you have to do is keep in mind that only certain categories earn 5%. It can be great if you want to earn cash back on a category on something your company spends a lot on like internet or phone services. And get some peace of mind knowing that you will earn 2% back on company dinners and trips to the gas station.

Now, if your business spends pretty evenly over a wide variety of categories and you don’t want to stress over keeping track of spending categories, then the Ink Business Unlimited® Credit Card is the card for you and your business. The 1.5% cash back on ALL purchases will serve as a strong flat rate for all your business expenses. It's simple and straightforward and you can feel good knowing that your card and all your authorized users are getting more than 1% cash back on all purchases, at 1.5%.

Both cards offer 0% APR for 12 months that can help with big payments. The Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card have foreign transaction fees so best to avoid both cards if you or your employees travel abroad for your business.

I’d say that the Ink Business Cash® Credit Card is the better card as the 5% cash back covers categories that most businesses would regularly spend on. For example, cable and phone services seem frequently used in this day and age. You will earn 3.5% more cash back on purchases on cable and phone services than the Ink Business Unlimited® Credit Card. This would more than offset the 0.5% more cash back that you would earn on the Ink Business Unlimited® Credit Card versus the Ink Business Cash® Credit Card.

Now an underrated strategy here if you don’t mind carrying multiple cards for your business is to get both cards! You could get 5% cash back on office supply stores, internet, cable, and phone services with the Ink Business Cash® Credit Card and 1.5% cash back with all other purchases with the Ink Business Unlimited® Credit Card. And don't forget about using the Ink Business Cash® Credit Card for gas stations and restaurants. An all around win for your business if you don’t mind carrying a couple cards along with your employees carrying those cards as authorized users.

I will say that no matter what path you choose, you know that you are earning cash back on both cards that can be transferred to Chase Ultimate Rewards points. Both cards can save you money on your next business trip on flights & hotels.

Frequently Asked Questions

Do the Ink Business Cash and Ink Business Unlimited count toward Chase's 5/24 rule?

No. Neither card counts toward your 5/24. Business cards like these don't appear on your personal credit report unless you're heavily delinquent on payments. Business cards usually aren't reported as new personal accounts.

Can I transfer the cash back I earn on these cards to travel partners?

Yes, but only if you also hold a Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, or Ink Business Preferred® Credit Card. With both the Ink Cash and Ink Unlimited, cash back is earned as Chase Ultimate Rewards points. By pooling those points into a qualifying Sapphire account or the Ink Preferred account, you can transfer them to Chase's many travel partners — including World of Hyatt, Aeroplan, United MileagePlus, and more.

Without one of those cards, you're limited to a flat cash-back redemption rate.

What is the current welcome bonus on the Ink Business Cash?

The Ink Business Cash currently offers $1,000 cash back after spending $8,000 in the first 4 months from account opening — the best public offer this card has ever had. When paired with a qualifying Chase Sapphire card or the Ink Preferred, that $1,000 is equivalent to 100,000 Chase Ultimate Rewards points, which can unlock serious travel value through transfer partners.

Do these cards charge foreign transaction fees?

Yes, both the Ink Business Cash and Ink Business Unlimited carry foreign transaction fees. If you or your employees travel internationally for business, you'll want to reach for a different card — the Ink Business Preferred® Credit Card or Sapphire Reserve for Business℠ both waive foreign transaction fees entirely.

Can I get both cards at the same time?

Yes, and pairing both is a great strategy. Use the Ink Business Cash for its 5% categories (office supplies, internet, cable, and phone) and 2% categories (gas stations and restaurants), then put all other business spending on the Ink Business Unlimited at a flat 1.5%. All points pool together and can be transferred through a qualifying Chase card for travel redemptions.