Chase Ink Cash vs. Ink Unlimited

The Chase Ink Cash and Ink Unlimited cards are two popular options for small business owners looking to earn rewards on their business expenses. Both cards offer lucrative cashback rewards and come with no annual fee, making them attractive options for entrepreneurs and small business owners. In this article, we'll compare the two cards in detail and help you decide which one is right for you.

Chase Ink Cash vs. Ink Unlimited: Overview

The Chase Ink Cash card is a cashback credit card that offers 5% cashback on up to $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. It also offers 2% cashback on up to $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cashback on all other purchases. Additionally, the Ink Cash offers a sign-up bonus of $750 bonus cash back after spending $7,500 on purchases in the first 3 months from account opening.

On the other hand, the Chase Ink Unlimited card is a cashback credit card that offers 1.5% cashback on all purchases, with no limit to the amount of cashback you can earn. It also offers a sign-up bonus of $750 bonus cash back after spending $7,500 on purchases in the first 3 months from account opening.

Chase Ink Cash vs. Ink Unlimited: Rewards

The Chase Ink Cash and Ink Unlimited cards offer different rewards structures, and which one is better for you depends on your business's spending habits. The Ink Cash offers higher cashback rates on specific categories, while the Ink Unlimited offers a flat cashback rate on all purchases.

The Ink Cash's 5% cashback on office supply stores and internet, cable, and phone services can be especially lucrative for businesses that spend a lot in those categories. If your business spends a significant amount on office supplies and services, this card could be a great option for you. The 2% cashback on gas stations and restaurants can also add up quickly for businesses that frequently dine out or travel.

On the other hand, the Ink Unlimited's flat 1.5% cashback rate on all purchases can be more straightforward and easier to manage for businesses with varied spending habits. If your business doesn't spend heavily in specific categories, or if you prefer a simpler rewards structure, the Ink Unlimited could be a better choice for you.

Chase Ink Cash vs. Ink Unlimited: Sign-up Bonus

Both cards offer the same sign-up bonus of $750 bonus cash back after spending $7,500 on purchases in the first 3 months from account opening. This is a generous bonus that can help offset the cost of business expenses or reward you for making purchases you would have made anyway.

Chase Ink Cash vs. Ink Unlimited: Other Benefits

Both cards offer a range of benefits that can be useful for small business owners. The Ink Cash offers purchase protection, extended warranty protection, and auto rental collision damage waiver. The Ink Unlimited offers purchase protection, extended warranty protection, auto rental collision damage waiver, and trip cancellation/interruption insurance.

One unique benefit of the Ink Unlimited is that it offers a free year of DashPass, which is DoorDash's subscription service. This can be a great perk for businesses that frequently order food delivery.

Chase Ink Cash vs. Ink Unlimited: Fees

One of the most attractive features of both cards is that they have no annual fee. This makes them a great option for businesses that don't want to pay for the privilege of earning rewards. Both cards also have a 0% intro APR for the first 12 months on purchases and balance transfers, which can be helpful for businesses looking to make large purchases or consolidate debt.

Overall, the Chase Ink Cash and Chase Ink Unlimited cards have their own unique benefits and drawbacks. Business owners should assess their spending habits and preferences to determine which card is a better fit for their needs. The Ink Cash card's higher cashback rate on specific categories could be more beneficial for businesses with significant expenses in those categories. Meanwhile, the Ink Unlimited card's flat rate cashback on all purchases could be more beneficial for businesses with varied expenses. Both cards offer a $750 sign-up bonus, free employee cards, and valuable additional benefits. The lack of an annual fee for both cards is a significant advantage.

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