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Ink Business Cash vs Unlimited: June 2026
NC
nextcard teamPublished Sep 5, 2025Updated Jun 15, 2026
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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.
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:
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.
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:
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.
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.
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.
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.
| Chase Transfer Partner | Type |
|---|---|
| AerClub, loyalty program of Aer Lingus | Airline |
| The British Airways Club | Airline |
| Air France KLM – Flying Blue | Airline |
| Iberia Club | Airline |
| JetBlue TrueBlue | Airline |
| Singapore Airlines KrisFlyer | Airline |
| Southwest Airlines Rapid Rewards® | Airline |
| United MileagePlus® | Airline |
| Virgin Atlantic Flying Club | Airline |
| Air Canada Aeroplan® | Airline |
| IHG® One Rewards | Hotel |
| Marriott Bonvoy™ | Hotel |
| World of Hyatt® |
nextcard’s transfer bonus table is a helpful resource for comparing transfer partners across major credit card rewards programs in one place.
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.
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.
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.
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.
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.
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.
| Hotel |
| Wyndham | Hotel |
