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.
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Side-by-side
Chase Ink Business Cash vs Chase Ink Business Unlimited
Both are business travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Chase Ink Business Unlimited from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Chase Ink Business Unlimited costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Chase Ink Business Cash | Chase Ink Business Unlimited |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | $750 bonus cash back |
| Bonus value (est.) | $750 | $750 |
| Min spend to unlock bonus | $6,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | chase-ur |
| Headline benefits |
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Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back
Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
The real-world take
TL;DR. Two $0 Chase business cards designed to be held together. Ink Business Cash earns 5% on office supplies, internet, cable, phone (combined $25k/yr cap), 2% on gas and dining ($25k cap), and 1% on everything else. Ink Business Unlimited earns flat 1.5% on everything. Cash wins on category spend; Unlimited wins on catch-all. Both are best held with an Ink Preferred or Sapphire to convert cash back into transferable Ultimate Rewards points.
The three dimensions that actually decide it. First, category alignment. If you spend on internet, phone, and office supplies, Cash's 5% is the highest small-business return on those categories anywhere. Second, catch-all. Unlimited's 1.5% beats Cash's 1% on non-bonus spend. Third, point conversion. Both are technically cash-back cards but their "cash back" is actually Ultimate Rewards points (1 = 1 cent), which combine with Ink Preferred or a Sapphire for transfer access.
Real customer scenario for each. If you run a small business with $1k a month in internet, phone, and office supplies, Cash earns $50 a month at 5%, $600 a year, on those categories alone. If instead your spend is mostly non-bonus (contractor payments, equipment, miscellaneous), Unlimited's 1.5% catch-all is the better single card.
The trap to avoid. Holding only one when both are free. The standard "Chase trifecta for business" is Cash plus Unlimited plus Preferred. Cash for bonus categories, Unlimited for everything else, Preferred for the welcome bonus and transfer access. All three combined cost $95 a year.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Chase Ink Business Unlimited?
- The two cards offer comparable sign-up bonuses around $750. Pick based on which earning categories you actually use.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Chase Ink Business Unlimited?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Chase Ink Business Unlimited's $0 fee is justified by its perks. If you'll use enough of the Chase Ink Business Unlimited's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
- Can I have both the Chase Ink Business Cash and Chase Ink Business Unlimited?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Chase Ink Business Cash or the Chase Ink Business Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. Chase Ink Business Unlimited: $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.