Home › Credit cards › Compare › Chase Ink Business Cash vs Chase Ink Business Unlimited

Chase Ink Business Cash vs Chase Ink Business Unlimited

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: Chase Ink Business Cash 80.0%, Chase Ink Business Unlimited 80.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Ink Business Cash nets $356/yr, Chase Ink Business Unlimited nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCash: 10.0 · Unlimited: 10.0
Rewards rateCash: 6.0 · Unlimited: 6.0
Sign-up bonusCash: 10 · Unlimited: 10
Intro 0% APRCash: 5.7 · Unlimited: 5.7
Regular APRCash: 9.3 · Unlimited: 9.3
Foreign transaction feeCash: n/a · Unlimited: n/a
Regulatory record (CFPB)Cash: 10.0 · Unlimited: 10.0

Chase Ink Business Cash

IssuerChase
Typebusiness
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR16.99%–24.99% variable creditcards.chase.com, 2026-10-12
Rewards1% base; 5% utilities (to $25,000/yr); 2% dining (to $25,000/yr); 2% gas (to $25,000/yr) creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)$750 $750 cash back (see issuer for spend requirement) creditcards.chase.com, 2026-10-12
Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
Foreign transaction feenot found creditcards.chase.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found creditcards.chase.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Chase Ink Business Unlimited

IssuerChase
Typebusiness
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR16.99%–24.99% variable creditcards.chase.com, 2026-10-12
Rewards1.5% base creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)$750 $750 cash back (see issuer for spend requirement) creditcards.chase.com, 2026-10-12
Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
Foreign transaction feenot found creditcards.chase.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found creditcards.chase.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Downsides

Chase Ink Business Cash80.0%
Chase · business
Annual fee $0APR 16.99%–24.99% variableRewards 1% base; 5% utilities (to $25,000/yr); 2% dining (to $25,000/yr); 2% gas (to $25,000/yr)Credit not found
⚠ 5% on office supply + internet/cable/phone (combined $25k/yr); 2% gas+restaurants combined $25k/yr.
Chase Ink Business Unlimited80.0%
Chase · business
Annual fee $0APR 16.99%–24.99% variableRewards 1.5% baseCredit not found

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Chase Ink Business Cash or Chase Ink Business Unlimited?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.