Chase Ink Business Cash vs Chase Ink Business Unlimited
Which card is better in 2026? We break down fees, rewards, perks, and point values so you can decide.
Chase Ink Business Cash
Chase
Small businesses with high internet, phone, and office supply spending
Chase Ink Business Unlimited
Chase
Businesses that want simple flat-rate earning on all purchases
| Feature | Chase Ink Business Cash | Chase Ink Business Unlimited |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | $350 cash back | $350 cash back |
| Bonus Value | $350 | $350 |
| Dining | 1x | 1.5x |
| Groceries | 1x | 1.5x |
| Travel | 1x | 1.5x |
| Gas | 1x | 1.5x |
| Streaming | 5x (internet, phone, office — $25K cap) | 1.5x |
| Everything Else | 1x | 1.5x |
| Point Value | 1 cpp | 1 cpp |
Chase Ink Business Cash Key Perks Best
- No annual fee
- 5% on office supplies, internet, phone, cable
- 2% on gas and dining (first $25K)
- Employee cards at no cost
Chase Ink Business Unlimited Key Perks
- No annual fee
- Flat 1.5% on everything
- No category tracking
- Employee cards at no cost
The Verdict
Winner: Chase Ink Business Cash. The Ink Cash wins for most small businesses — 5% back on internet, phone, and office supplies can easily generate $500+/year in value on expenses you're already paying. The Ink Unlimited is better only if your spending is spread evenly with no concentration in the Ink Cash's 5% categories. Many businesses carry both.
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Related Comparisons
The Ink Preferred dominates for most small businesses: 100K welcome bonus (worth $1,250+), $95 fee vs $375, and 3x on advertising and shipping — categories most businesses spend heavily on. The Biz Gold only wins if your top 2 categories align with its 4x earn and you spend over $50K/year in those categories.
Read comparisonThe CFU wins in the Chase ecosystem — 1.5x UR points become worth 2.25 cpp paired with a Sapphire Reserve. As a standalone card, the Citi Double Cash's flat 2% is simpler and earns more on non-bonus categories. Your best pick depends on whether you have (or plan to get) a Sapphire card.
Read comparisonThe Reserve wins for travelers spending $5K+ on travel annually — the $300 credit effectively drops the fee to $250, and 1.5 cpp redemption value beats the Preferred's 1.25 cpp. But if you travel less than twice a year, the Preferred is the smarter pick.
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