Ink Business Cash vs. Ink Business Unlimited 2026. Both $0 fee with $750 bonus. Cash earns 5% on office/telecom, 2% gas/dining. Unlimited earns 1.5% on everything. Full comparison and break-even analysis.
Both the Ink Business Cash and Ink Business Unlimited have no annual fee, identical $750 welcome bonuses, 0% APR for 12 months, and both earn Chase Ultimate Rewards points. The only real difference is in the rewards structure: Ink Cash has tiered categories (5% on office supplies and telecom, 2% on gas and dining) while Ink Unlimited earns a flat 1.5% on everything. Which earns more depends entirely on where your business spends money.
| Feature | Ink Business Cash | Ink Business Unlimited |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | $750 after $6,000/3mo | $750 after $6,000/3mo |
| Office Supplies + Telecom | 5% (up to $25K/yr combined) | 1.5% |
| Gas Stations + Restaurants | 2% (up to $25K/yr combined) | 1.5% |
| All Other Purchases | 1% | 1.5% |
| Chase Travel (portal) | 5% | 5% |
| 0% Intro APR | 12 months on purchases | 12 months on purchases |
| Foreign Transaction Fee | 3% | 3% |
| Transfer Partners (standalone) | None (cash back only) | None (cash back only) |
| Transfer Partners (paired) | Yes — pair with Sapphire/Ink Preferred | Yes — pair with Sapphire/Ink Preferred |
5% on office supply stores and internet, cable, and phone services (up to $25,000/year combined) is the highest rate on any no-fee business card. A business paying $500/month in internet and phone bills earns $360/year on telecom alone — versus $90 from the Unlimited. The office supply category also covers gift cards at Staples/Office Depot, effectively extending the 5% rate to Amazon, restaurants, and other categories through purchased gift cards.
1.5% on telecom spending is competitive for a flat-rate card but significantly trails the Ink Cash's 5% for businesses with meaningful office supply or telecom costs. Unlimited is the better choice only when telecom and office supply expenses are minimal.
Ink Cash earns only 1% on purchases outside its two bonus tiers — anything that isn't office supplies, telecom, gas, or restaurants earns just 1 cent per dollar. For businesses with diverse spending across inventory, contractor payments, marketing, and other categories, that 1% base rate is weak.
1.5% on every purchase regardless of category means Ink Unlimited earns 50% more than Ink Cash on everything outside the Cash's bonus categories. For a business spending $50,000/year across varied categories, that's $250 more per year versus Ink Cash's 1% base.
Identical: $750 cash back after $6,000 in purchases within the first 3 months. 0% APR on purchases for 12 months, then 16.74%–24.74% variable. The $6,000 threshold over 3 months ($2,000/month) is manageable for most small businesses.
Identical to Ink Business Cash on both the welcome bonus and the 0% APR window. These two cards are interchangeable on first-year value — the only difference that matters is which earns more based on your ongoing spending mix.
Many businesses get both cards and use each strategically: Ink Business Cash for office supply and telecom spending (5%), and Ink Unlimited for everything else (1.5%). Both cards pool their points into the same Chase Ultimate Rewards account. Pair them with an Ink Business Preferred ($95/yr) or Sapphire card to unlock 14 transfer partners at 1:1. This "Chase trifecta" business setup is one of the most efficient rewards systems available to small business owners.
The crossover point depends on your telecom and office supply spending. If your monthly office supply + telecom bill is X and everything else is Y:
5% office/telecom · 2% gas/dining · $750 bonus · $0 fee
Read Full Review →1.5% on everything · $750 bonus · 0% APR 12mo · $0 fee
Read Full Review →For most small businesses, the answer is both cards — they're complementary, not competing. The Ink Business Cash earns more on the specific categories where it excels (5% office/telecom, 2% gas/dining) while the Ink Unlimited covers everything else at 1.5%. Together they create a no-fee business card combination that earns well across all spending. If you can only get one, choose Ink Cash if you have meaningful telecom bills, and Ink Unlimited if your spending is too diverse to benefit from categories.