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

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Welcome Bonus

Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card have the exact same welcome bonus.

Ink Business Cash® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Ink Business Unlimited® Credit Card: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

There's no two ways about it: this is an amazing bonus, one of the highest we've seen. You can't go wrong with either card.

Cash Back Rewards

How each card handles cash back rewards is the only difference between them. The Ink Business Cash® Credit Card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services; 2% cash back on the first $25,000 spent in combined purchases at gas stations and grocery stores, and 1% cash back on everything else.

The Ink Business Unlimited® Credit Card gets you 1.5% cash back on every purchase you make for your business. That's all you need to remember. No caps, no categories, nothing but 1.5% cash back on every purchase you make. It's delightfully simple.

Which card is best for you depends on how you spend money for your business. The cash back earnings on the Ink Business Cash® Credit Card are certainly more complicated, but might allow you to earn more cash back. The Ink Business Unlimited® Credit Card is simple, so if you have a million other things to worry about, then this simple cash back structure might work better for you.

Here are the details for each card:

Ink Business Cash® Credit Card

Rewards:

Ink Business Unlimited® Credit Card 

Rewards:

Rates and Fees

Both cards offer 0% on purchases for the first 12 months. After that, both cards have the same variable rate of 18.49% - 24.49%, depending on your creditworthiness. Neither card has an annual fee, and both have the same foreign transaction fee: 3% of each transaction in U.S. dollars.

Who the Ink Business Cash® Credit Card is Best For

Small business owners who spend a lot of money on office supplies, internet, cable, and phone services should consider the Ink Business Cash® Credit Card. You will appreciate the higher rewards, and you also get slightly elevated rewards on gas and at restaurants. Business owners with employees will like the fact that you get employee cards at no extra charge.

Who the Ink Business Unlimited® Credit Card is Best For

If your business doesn't spend anywhere close to $25,000 a year on business expenses, the Ink Business Unlimited® Credit Card might be a great choice. You'll get 1.5% cash back on everything you purchase without having to worry about categories. This could work especially well if you spend a good deal of money on unique categories. Freelancers and people with side hustles might prefer this card.

Does it make sense to get both cards?

These cards are almost identical twins, except for the way they approach cash back rewards. You could get both, but it's more likely that one will suit you better than the other. In case you're wondering, you can have more than one business card with Chase, but the 5/24 rule still applies. The rule is if you open 5 or more credit cards in the last 24 months, Chase will likely not approve you for a new credit card. But business cards may not count against you. Meaning, if you open four personal credit cards and one business credit card in the last 24 months and try to apply for another Chase card, you may still be at 4/24.

Approval Odds

The credit score data listed below comes from publicly available information in a number of forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.

Ink Business Cash® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/14/2022	770	Not Provided	$5,000
Approved	12/01/2022	828	Experian	$3,000
Approved	10/23/2021	700	Experian	$4,000
Approved	11/29/2022	810	Equifax	$3,000
Approved	11/29/2022	820	Experian	$3,000
Approved	12/01/2022	741	Equifax	$3,000
Approved	12/01/2022	770	TransUnion	$3,000

Ink Business Unlimited® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/24/2022	810	Equifax	$8,000
Approved	02/01/2022	779	Experian	$6,000
Approved	03/12/2020	799	Experian	$18,000
Approved	06/11/2022	796	Equifax	$7,500
Approved	06/11/2022	812	Experian	$7,500
Approved	07/13/2021	790	Equifax	$10,000
Approved	07/13/2021	730	Equifax	$5,000
Approved	04/27/2021	720	Experian	$3,000
Approved	10/07/2020	751	Experian	$3,000
Approved	04/01/2022	781	Experian	$50,000
Approved	04/01/2022	763	Experian	$3,000
Denied	04/20/2020	775	Experian	---

It's no surprise that these cards both require excellent credit scores, since both are issued by the same bank, and they are almost identical except for cash back rewards. Choose the one that best matches your spending patterns for your business.