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Bank of America Unlimited Cash Rewards Credit Card vs Chase Ink Business Cash
Both are well-respected travel cards. The Bank of America Unlimited Cash Rewards Credit Card comes from Bank of America at $0/yr; the Chase Ink Business Cash from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Bank of America Unlimited Cash Rewards Credit Card's. Get the Chase Ink Business Cash first; revisit the Bank of America Unlimited Cash Rewards Credit Card after you've earned that bonus.
| Feature | Bank of America Unlimited Cash Rewards Credit Card | Chase Ink Business Cash |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash rewards | $750 bonus cash back |
| Bonus value (est.) | $200 | $750 |
| Min spend to unlock bonus | $1,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | cashback | business |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Bank of America Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Editorial take: Chase Ink Business Cash
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Unlimited Cash Rewards Credit Card or Chase Ink Business Cash?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus $200 cash rewards (~$200) on the Bank of America Unlimited Cash Rewards Credit Card.
- Is the Bank of America Unlimited Cash Rewards Credit Card's $0 annual fee worth it compared to the Chase Ink Business Cash?
- The Bank of America Unlimited Cash Rewards Credit Card has no annual fee, so the question is whether the Chase Ink Business Cash's $0 fee is justified by its perks. If you'll use enough of the Chase Ink Business Cash's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bank of America Unlimited Cash Rewards Credit Card.
- Can I have both the Bank of America Unlimited Cash Rewards Credit Card and Chase Ink Business Cash?
- Yes, since they're from different issuers (Bank of America and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Ink Business Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Unlimited Cash Rewards Credit Card: $1,000 spend in 3 months. Chase Ink Business Cash: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.