Ink Business Cash vs Ink Business Unlimited
By Quy Dinh · Updated Oct 25, 2026
The short answer
If your business pays for office supplies or internet, cable and phone, the Ink Cash: 5% there on up to $25,000 a year, and 2% on gas and dining. If not, the Ink Unlimited’s 1.5% on everything is simpler and earns more on most spending.
Both cost $0, both offer $750 after $6,000 of spending in the first 3 months, and both charge a 3% foreign transaction fee. Chase’s bonus terms can rule you out if you’ve had a no-fee Chase business card, so pick the one you’d keep.
Pick the Ink Business Cash if
- Your business pays for internet, phone or office supplies
- You spend on gas and dining for work
- You’ll pair it with an Ink Preferred
Pick the Ink Business Unlimited if
- Your business spending doesn’t fit categories
- You want one rate with no caps
- You don’t want to track limits
Side by side
| Feature |  Chase |  Chase |
|---|---|---|
| In one line | A $0 business card that pays 5% on office supplies and on internet, cable and phone, and 2% on gas and dining, with a $750 bonus. | The simplest $0 business card: 1.5% on everything, a $750 bonus, and points that become transferable with an Ink Preferred or Sapphire. |
| Annual fee | $0 | $0 |
| Statement credits | Up to $240 a year in 1 credits | Up to $240 a year in 1 credits |
| How it earns |
|
|
| Lounge access | None | None |
| Welcome offer | $750 cash back after you spend $6,000 on purchases in the first 3 months. | $750 cash back after you spend $6,000 on purchases in the first 3 months. |
| Counts toward Chase 5/24 | No | No |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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