{"id":7837,"date":"2024-08-10T16:11:38","date_gmt":"2024-08-10T16:11:38","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/chase-ink-business-unlimited-vs-ink-business-cash-battle-of-the-chase-business-cards\/"},"modified":"2024-08-10T16:11:39","modified_gmt":"2024-08-10T16:11:39","slug":"chase-ink-business-unlimited-vs-ink-business-cash-battle-of-the-chase-business-cards","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/chase-ink-business-unlimited-vs-ink-business-cash-battle-of-the-chase-business-cards\/","title":{"rendered":"Chase Ink Business Unlimited vs. Ink Business Cash: Battle of the Chase business cards"},"content":{"rendered":"<p><\/p>\n<div>\n<p>There are plenty of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\">business credit cards<\/a> available on the market, making it difficult to decide which card is best. Chase loyalists or those looking to open a Chase credit card can choose from four business credit cards, all of which have the Ink Business moniker.<\/p>\n<p>If you need a business credit card, the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited\u00ae Credit Card<\/a> and <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash\u00ae Credit Card<\/a> are two compelling options.<\/p>\n<p>Both cards are solid offerings, and depending on your business purchases, you may benefit from one more than the other. Let&#8217;s explore what sets these cards apart and which card could be the right choice for you.<\/p>\n<p><a id=\"ink-business-unlimited-vs-ink-business-cash-comparison\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Ink Business Unlimited vs. Ink Business Cash comparison<\/h2>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"\/>\n<th class=\"jsx-3297233758\"><strong>Ink Business Unlimited<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Ink Business Cash<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><strong>Annual fee<\/strong><\/td>\n<td>No annual fee<\/td>\n<td>No annual fee<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Welcome offer<\/strong><\/td>\n<td>\n<ul>\n<li>Earn $750 cash back after spending $6,000 on purchases in the first three months of account opening.<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Earn $350 cash back after spending $3,000 on purchases in the first three months your account is open and <span style=\"font-family:inherit;font-size:inherit\">an additional $400 after spending $6,000 on purchases in the first six months after account <\/span><span class=\"text-nowrap\" style=\"font-family:inherit;font-size:inherit\">opening. <\/span><\/li>\n<li><span class=\"text-nowrap\" style=\"font-family:inherit;font-size:inherit\">Plus, e<\/span><span style=\"font-family:inherit;font-size:inherit\">arn 10% cash back in your first cardholder year if you have the Ink Business Cash card plus a Chase Business Checking account on your first card <\/span><span class=\"text-nowrap\" style=\"font-family:inherit;font-size:inherit\">anniversary. Offer only available to cards opened between March and November 2024.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Bonus categories<\/strong><\/td>\n<td>\n<ul>\n<li>1.5% unlimited cash back on all purchases<\/li>\n<li>5% total cash back on Lyft rides through March 2025<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year)<\/li>\n<li>2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year)<\/li>\n<li>1% cash back on all other purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Redemption options<\/strong><\/td>\n<td>Cash back and various Chase portal redemptions, such as travel and gift cards<\/td>\n<td>Cash back and various Chase portal redemptions, such as travel and gift cards<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Card benefits<\/strong><\/td>\n<td>\n<ul>\n<li>Purchase protection<\/li>\n<li>Primary car rental coverage<\/li>\n<li>Extended warranty protection<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Purchase protection<\/li>\n<li>Primary car rental coverage<\/li>\n<li>Extended warranty protection<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"ink-business-unlimited-vs-ink-business-cash-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Ink Business Unlimited vs. Ink Business Cash welcome offer<\/h2>\n<p>With the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited<\/a>, you&#8217;ll earn $750 in cash back after spending $6,000 on purchases in the first three months from account opening.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.625%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/07\/Ink-Business-Unlimited-and-Ink-Business-Cash.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>The <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash<\/a> has a tiered welcome bonus offer with $350 cash back after you spend $3,000 on purchases in the first three months after account opening, then an additional $400 cash back after spending $6,000 on purchases in the first six months after account opening.<\/p>\n<p>New cardholders will also earn an additional 10% cash back on the first card anniversary if they have a Chase Business Checking account. This part of the offer is only available to those who opened an Ink Business Cash between March and November 2024.<\/p>\n<p>You&#8217;ll be subject to Chase&#8217;s <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\">5\/24 rule<\/a> when trying to open either card, but since these are business cards, they <a href=\"https:\/\/thepointsguy.com\/credit-cards\/these-business-cards-can-help-you-stay-under-chases-5-24-rule\/\">won&#8217;t count toward 5\/24<\/a> for you.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase-card-trifecta\/\" rel=\"noopener\" target=\"_blank\">The power of the Chase Trifecta<\/a><\/strong><\/p>\n<p><strong>Winner: <\/strong>Ink Business Cash. The ability to earn an additional 10% in cash back makes it a better offer.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><a id=\"ink-business-unlimited-vs-ink-business-cash-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Ink Business Unlimited vs. Ink Business Cash benefits<\/h2>\n<p>Neither the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited<\/a> nor the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash<\/a> provides any statement credits or travel perks. This isn&#8217;t unusual for cards with no annual fee.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/05\/Herz-Car-rental-in-New-York-City_Cindy-Ord.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">CINDY ORD\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Both cards offer the same benefits when it comes to purchase and car rental protection. With both cards, you&#8217;ll receive:<\/p>\n<ul>\n<li><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-purchase-protection\/\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Purchase protection<\/strong><\/a>: If an eligible item is damaged or stolen within the first 120 days after purchase, you&#8217;re covered up to $10,000 per claim ($50,000 per account).<\/li>\n<li><strong>Primary car rental coverage<\/strong>: If you use either card for the entire rental cost and travel for business purposes, you&#8217;re covered for theft and damage in the U.S. and most countries worldwide. Remember that this doesn&#8217;t offer any liability coverage, but you are covered up to the actual cash value of the vehicle you&#8217;re renting.<\/li>\n<li><strong><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-extended-warranty\/\" rel=\"noopener noreferrer\" target=\"_blank\">Extended warranty protection<\/a><\/strong>: Purchases with a U.S. manufacturer&#8217;s warranty of three years or less will get coverage for an extra year. This can be extremely helpful when an item stops working shortly after its scheduled warranty ends.<\/li>\n<\/ul>\n<p>Neither card has any other outstanding benefits apart from these, so if you want to purchase travel with this card, consider existing cards in your wallet first.<\/p>\n<p><strong>Winner: <\/strong>Tie. Both cards offer the same benefits.<\/p>\n<p><a id=\"earning-cash-back-on-the-ink-business-unlimited-vs-ink-business-cash\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning cash back on the Ink Business Unlimited vs. Ink Business Cash<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited<\/a> has a simple earning rate of 1.5% unlimited cash back on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\">all purchases<\/a> and 5% cash back on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-uber\/\">Lyft rides<\/a> through March 2025.<\/p>\n<p>The card is suited for a business with purchases in a variety of categories, giving them an extra 0.5% in cash back compared to other cards, which offer 1% cash back on purchases that fall outside of bonus categories.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/11\/A-taxi-passes-by-a-Shell-gas-station-in-New-York-City.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">LEONARDO MUNOZ\/VIEWPRESS\/GETTY IMAGES<\/figcaption><\/figure>\n<p>On the other hand, the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Ink Business Cash<\/a> earns 5% <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cash-back\/\">cash back<\/a> at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year); 2% cash back at <a href=\"https:\/\/thepointsguy.com\/credit-cards\/gas\/\">gas stations<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\">restaurants<\/a> (on the first $25,000 spent in combined purchases each account anniversary year); and 1% cash back on all other purchases.<\/p>\n<p>As a new Ink Business Cash cardholder, you&#8217;ll receive an additional 10% cash back on the first card anniversary if you have a Chase Business Checking account.<\/p>\n<p>This is a useful earning rate for the first year; however, since it&#8217;s only for business account holders, you may want to open a business checking account before applying for the card. Keep in mind that you&#8217;ll only be eligible for this if your Ink Business Cash is opened between March and November 2024.<\/p>\n<p>If your business has significant expenses in the Ink Business Cash&#8217;s bonus categories, applying for the card is a no-brainer. However, if your business purchases fluctuate month to month or if you make purchases in a wide variety of categories, you&#8217;re better off with the Ink Business Unlimited.<\/p>\n<p><strong>Winner:<\/strong> Ink Business Cash. Its bonus categories and the ability to earn 10% additional cash back on your first card anniversary make it the winner here.<\/p>\n<p><a id=\"redeeming-cash-back-on-the-ink-business-unlimited-vs-ink-business-cash\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming cash back on the Ink Business Unlimited vs. Ink Business Cash<\/h2>\n<p>Both cards earn cash back, which can be redeemed through the Chase Ultimate Rewards portal for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-use-credit-card-cash-back\/\">cash back<\/a> or other rewards, such as <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-long-statement-credits-take\/\">statement credits<\/a>, gift cards and travel through <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-rewards-travel-portal\/\">Chase Travel\u2120<\/a>.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/10\/Man-using-computer-at-home-office-holding-credit-card_Westend61.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">WESTEND61\/GETTY IMAGES<\/figcaption><\/figure>\n<p>There is a more lucrative route to redeeming cash back, which we&#8217;ll discuss below.<\/p>\n<p><strong>Winner:<\/strong> Tie. Both cards offer the same redemption options.<\/p>\n<p><a id=\"transferring-rewards-with-the-ink-business-unlimited-vs-ink-business-cash\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Transferring rewards with the Ink Business Unlimited vs. Ink Business Cash<\/h2>\n<p>If you&#8217;re also a cardholder of the <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-preferred-card\/?pid=22125056&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Chase Sapphire Preferred\u00ae Card<\/a>, <a href=\"https:\/\/thepointsguy.com\/apply-now\/chase-sapphire-reserve%e2%84%a0\/?pid=221211836&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Chase Sapphire Reserve\u00ae<\/a> or<a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-preferred%e2%84%a0-credit-card\/?pid=221211974&amp;tid=post\" rel=\"noopener\" target=\"_blank\"> Ink Business Preferred\u00ae Credit Card<\/a>, you can transfer the rewards earned from the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited<\/a> or <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash<\/a> to that card.<\/p>\n<p>From there, you can take advantage of Chase&#8217;s <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards-transfer-partners\/\">14 transfer partners<\/a> and redeem your rewards for award tickets or hotel stays.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/2GettyImages-992994052.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">FLUXFACTORY\/GETTY IMAGES<\/figcaption><\/figure>\n<p>As an Ink Business Cash cardholder, I transfer my rewards to my Sapphire Reserve, which then allows me to transfer them to partners such as <a href=\"https:\/\/thepointsguy.com\/guide\/air-canada-aeroplan\/\" rel=\"noopener\" target=\"_blank\">Air Canada Aeroplan<\/a> and <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-flying-blue\/\" rel=\"noopener\" target=\"_blank\">Air France-KLM Flying Blue<\/a>.<\/p>\n<p>I recently needed to top up my Sapphire Reserve account before transferring points to Aeroplan, and moving rewards was easy. I logged in to my account and moved the rewards, which occurred instantaneously.<\/p>\n<p><a id=\"should-i-get-the-ink-business-unlimited-or-ink-business-cash\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Should I get the Ink Business Unlimited or Ink Business Cash?<\/h2>\n<p>If your business has expenses within the bonus categories and spending caps of the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash<\/a>, then it&#8217;s an easy choice of card since you can use it to maximize your rewards earnings. On the other hand, if you have purchases in various categories and don&#8217;t wish to be bogged down by spending caps on bonus category spending, then the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Ink Business Unlimited<\/a> and its 1.5% cash-back rate are better for you.<\/p>\n<p><a id=\"how-to-switch-from-the-ink-business-unlimited-to-the-ink-business-cash\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">How to switch from the Ink Business Unlimited to the Ink Business Cash<\/h2>\n<p>Switching between the <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited<\/a> and <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash<\/a> or vice versa is possible. To <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cancel-or-downgrade-credit-card\/\">switch products<\/a>, call the customer service phone number on the back of the card and speak with a representative.<\/p>\n<p>However, it is possible to open <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ink-preferred-cash-together\/\">both cards<\/a>, allowing your business to utilize the bonus categories of the Ink Business Cash for some purchases and the fixed 1.5% cash back from the Ink Business Unlimited for all other purchases. Remember that product-changing from one card to the other will lock you out of that card&#8217;s welcome offer, so I recommend opening both cards instead.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Chase&#8217;s lineup of Ink Business cards can be confusing, but the Ink Business Unlimited and Ink Business Cash are both cash-back cards for business owners. While you may feel limited by earning cash back only, the rewards earned from either can easily be used for travel with Chase&#8217;s transfer partners if you hold an Ultimate Rewards-earning credit card.<\/p>\n<p>If your business would benefit from its bonus categories, the Ink Business Cash is the right choice. Otherwise, go with the Ink Business Unlimited to take advantage of its flat 1.5% cash-back rate.<\/p>\n<p>To learn more, read our full reviews of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/ink-business-unlimited-credit-card-review\/\">Ink Business Unlimited<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-review-ink-business-cash-credit-card\/\">Ink Business Cash<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\">Ink Business Unlimited<\/a><\/strong><\/p>\n<p><strong>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-cash%e2%84%a0-credit-card\/?pid=22125825&amp;tid=post\">Ink Business Cash<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ink-business-unlimited-vs-chase-freedom-unlimited\/\">Ink Business Unlimited vs. Chase Freedom Unlimited<\/a><\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There are plenty of business credit cards available on the market, making it difficult to decide which card is best. Chase loyalists or those looking to open a Chase credit card can choose from four business credit cards, all of which have the Ink Business moniker. If you need a business credit card, the Ink [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7838,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[7],"tags":[],"class_list":["post-7837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel","entry","has-media","owp-thumbs-layout-horizontal","owp-btn-normal","owp-tabs-layout-horizontal","has-no-thumbnails","has-product-nav"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1600&resize=1600,836&ssl=1","rttpg_featured_image_url":{"full":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1600&resize=1600,836&ssl=1",1600,836,false],"landscape":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1200&resize=1200,0&ssl=1",1200,0,false],"portraits":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1200&resize=1200,0&ssl=1",1200,0,false],"thumbnail":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=150&resize=150,150&ssl=1",150,150,false],"medium":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=300&resize=300,300&ssl=1",300,300,false],"large":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1024&resize=1024,1024&ssl=1",1024,1024,false],"1536x1536":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1536&resize=1536,1536&ssl=1",1536,1536,false],"2048x2048":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=2048&resize=2048,2048&ssl=1",2048,2048,false],"ocean-thumb-m":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=600&resize=600,600&ssl=1",600,600,false],"ocean-thumb-ml":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=800&resize=800,450&ssl=1",800,450,false],"ocean-thumb-l":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=1200&resize=1200,700&ssl=1",1200,700,false],"woocommerce_thumbnail":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=300&resize=300,300&ssl=1",300,300,false],"woocommerce_single":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=600&resize=600,0&ssl=1",600,0,false],"woocommerce_gallery_thumbnail":["https:\/\/i0.wp.com\/thepointsguy.freetls.fastly.net\/us\/originals\/2024\/05\/SOCIAL-IMAGE_PARTNER-OFFER-TERMS-APPLY_man-paying-his-order-in-a-food-truck_martinedoucet_8.jpg?w=100&resize=100,100&ssl=1",100,100,false]},"rttpg_author":{"display_name":"admin","author_link":"https:\/\/travelaffiliatewebsite.com\/mer\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/travelaffiliatewebsite.com\/mer\/category\/travel\/\" rel=\"category tag\">Travel<\/a>","rttpg_excerpt":"There are plenty of business credit cards available on the market, making it difficult to decide which card is best. Chase loyalists or those looking to open a Chase credit card can choose from four business credit cards, all of which have the Ink Business moniker. If you need a business credit card, the Ink&hellip;","_links":{"self":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/7837"}],"collection":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/comments?post=7837"}],"version-history":[{"count":1,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/7837\/revisions"}],"predecessor-version":[{"id":7839,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/posts\/7837\/revisions\/7839"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media\/7838"}],"wp:attachment":[{"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/media?parent=7837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/categories?post=7837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/travelaffiliatewebsite.com\/mer\/wp-json\/wp\/v2\/tags?post=7837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}