Both are $0-annual-fee Chase Ink cards with the same 0% intro APR and the same Ultimate Rewards points underneath — the only real question is whether your spend concentrates enough to beat a flat rate. Ink Business Cash earns 5% at office supply stores and on internet/cable/phone (up to $25,000/yr combined) plus 2% at gas and dining (up to $25,000/yr). Ink Business Unlimited skips the categories entirely for 1.5% back on every purchase, uncapped.
Scored against our published methodology · Updated July 22, 2026
Take the 60-second quizSmall businesses with real office-supply and telecom spend. The 5% back at office supply stores and on internet, cable, and phone services (first $25,000 combined per year) is the best $0-fee business earn rate for that spend profile — and the points are Ultimate Rewards when paired with a premium Chase card.
Find your matchBusinesses whose spend doesn't concentrate in a specific bucket — unlimited 1.5% cash back on every purchase, no annual fee, and no earning cap makes this the simplest 'set it and forget it' card in Chase's Ink lineup. There's also 5% total cash back on Lyft rides through September 30, 2027.
Find your matchBest for — by the numbers
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed July 22, 2026. ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool. This compensation does not influence editorial scoring or ordering.
| Spec | Chase Ink Business Cash | Chase Ink Business Unlimited |
|---|---|---|
| Annual fee | $0 | $0 |
| 0% intro APR period | 12 months | 12 months |
| Ongoing APR (from) | 16.74% | 16.74% |
| Foreign transaction fee | 3% | 3% |
| Rewards score | 16/20 | 14/20 |
| Fee-structure score | 20/20 | 20/20 |
| ClearValue score | 85/100 | 88/100 |
| Balance transfer fee | $5 or 5% | $5 or 5% |
| Late fee | Up to $40 | Up to $40 |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" wouldn't be honest to the data.
Tap the spec you care about — we'll show which card leads on it.
For Rewards score, the Chase Ink Business Cash leads (16/20).
Businesses with real office-supply and telecom spend that can track category caps
5% on office supply/telecom and 2% on gas/dining beats 1.5% flat as long as your spend actually lands in those buckets and stays under the $25,000/yr caps — above that it drops to 1%.
See your matchesBusinesses whose spend doesn't cluster in Ink Cash's categories, or owners who don't want to track caps
1.5% on everything, no categories to plan around and no cap to hit. It's the lower-maintenance card, and it wins outright once total annual spend is diversified enough that Ink Cash's category buckets stop capturing most of it.
See your matchesBusinesses that will actually use Chase Ink Business Preferred's 3x travel/shipping/ad categories at real volume — the $95 fee there can out-earn either $0 card. And neither reports positive activity to personal credit bureaus, so don't hold one expecting a personal-credit boost.
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Answer a few questions about how you spend and we'll point you to the cards that actually fit — no guesswork.
Take the 60-second quizAnnual fee
Chase Ink Business Cash: $0
Chase Ink Business Unlimited: $0
Earn rate
Chase Ink Business Cash: 5% at office supply stores and on internet/cable/phone (up to $25,000/yr combined); 2% at gas and dining (up to $25,000/yr); 1% after caps
Chase Ink Business Unlimited: Unlimited 1.5% on every purchase, no cap; 5% total on Lyft rides through Sept. 30, 2027
Best for
Chase Ink Business Cash: Concentrated office-supply/telecom/gas/dining spend under the $25k caps
Chase Ink Business Unlimited: Diversified spend that doesn't fit a single category
Points value
Chase Ink Business Cash: 1 cpp as cash; 1.5+ cpp only if paired with a Preferred or Sapphire to transfer
Chase Ink Business Unlimited: 1 cpp as cash; 1.5+ cpp only if paired with a Preferred or Sapphire to transfer
Intro APR
Chase Ink Business Cash: 0% on purchases for 12 months, then 16.74% – 24.74% variable
Chase Ink Business Unlimited: 0% on purchases for 12 months, then 16.74% – 24.74% variable
Foreign transaction fee
Chase Ink Business Cash: 3%
Chase Ink Business Unlimited: 3%
Honest knock
Chase Ink Business Cash: The 5%/2% rates are capped at $25,000/yr each, then fall to 1% — track your spend or the card quietly underperforms
Chase Ink Business Unlimited: No boosted category means no ceiling above 1.5% — a business with real office-supply or telecom spend is leaving money on the table
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Chase Ink Business Cash scores 85/100 (Solid pick) and the Chase Ink Business Unlimited scores 88/100 (Solid pick). Businesses with real office-supply and telecom spend that can track category caps should lean Chase Ink Business Cash; businesses whose spend doesn't cluster in Ink Cash's categories, or owners who don't want to track caps should lean Chase Ink Business Unlimited. Take the 60-second quiz to see which fits your profile.
The Chase Ink Business Cash carries $0 (no annual fee), sourced from the issuer's published Schumer Box as of July 16, 2026. The Chase Ink Business Unlimited carries $0 (no annual fee), as of July 22, 2026. Fees change — confirm the current number at the issuer before you decide.
The Chase Ink Business Cash is the one with a 0% intro offer: 0% on purchases for 12 months. Chase Ink Business Unlimited offers 0% on purchases for 12 months. Intro terms are variable — verify the current window at the issuer.
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Chase Ink Business Cash earned 85/100 and the Chase Ink Business Unlimited earned 88/100. Scoring follows our published methodology and is never influenced by compensation.
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool. This compensation does not influence editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.
