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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.
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 | $1,000 bonus cash back | $1,000 bonus cash back |
| Bonus value (est.) | $1,000 | $1,000 |
| Min spend to unlock bonus | $8,000 in 4 mo | $8,000 in 4 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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Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).
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. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase labels its best offer ever (issuer-verified 2026-07-18).
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.
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.
