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Chase Ink Business Unlimited vs Chase Ink Business Cash

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 Unlimited 80.0%, Chase Ink Business Cash 80.0%.

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

Criterion scores (0–10)

• Annual feeUnlimited: 10.0 · Cash: 10.0
• Rewards rateUnlimited: 6.0 · Cash: 6.0
• Sign-up bonusUnlimited: 10 · Cash: 10
• Intro 0% APRUnlimited: 5.7 · Cash: 5.7
• Regular APRUnlimited: 9.3 · Cash: 9.3
• Foreign transaction feeUnlimited: n/a · Cash: n/a
• Regulatory record (CFPB)Unlimited: 10.0 · Cash: 10.0

Downsides

• Chase Ink Business Unlimited80.0%
  Chase · business
  Annual fee $0APR 16.99%–24.99% variableRewards 1.5% baseCredit not found
• 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.

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 Unlimited or Chase Ink Business Cash?

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.