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Bank of America Unlimited Cash Rewards Credit Card vs Chase Ink Business Premier
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 Premier from Chase at $195/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 Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($800 more in estimated value) than the Bank of America Unlimited Cash Rewards Credit Card's. Get the Chase Ink Business Premier 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 Premier |
|---|---|---|
| Annual fee | $0 | $195 |
| Sign-up bonus | $200 cash rewards | $1,000 cash back |
| Bonus value (est.) | $200 | $1,000 |
| Min spend to unlock bonus | $1,000 in 3 mo | $10,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | cashback | business |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| 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 Premier
$195/yr · $1,000 cash back
Editorial take: Chase Ink Business Premier
Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Unlimited Cash Rewards Credit Card or Chase Ink Business Premier?
- The Chase Ink Business Premier has the bigger bonus, $1,000 cash back, worth roughly $1,000, 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 Premier?
- The Bank of America Unlimited Cash Rewards Credit Card has no annual fee, so the question is whether the Chase Ink Business Premier's $195 fee is justified by its perks. If you'll use enough of the Chase Ink Business Premier's benefits to clear $195 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 Premier?
- 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 Premier 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 Premier: $10,000 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.