Ink Business Cash® vs. Ink Business Unlimited® Credit

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Ink Business Cash® Card Ink Business Cash® Card Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
8.9
Regular APR
9.3
Rewards
8.4
Benefits
8.7
Welcome Bonus
9.5
Recommended Credit Score: 9
Foreign Transaction Fee: 8.9
Cash Advance Fee: 8.6
Balance Transfer Fee: 7.9
ANNUAL FEE
$0 $0
INTRO APR
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR. 0% intro APR on Purchases for first 12 months
REGULAR APR
18.49% - 24.49% Variable 18.49% - 24.49% Variable APR
PROS
  • No annual fee
  • 0% Intro APR period
  • Rewards don’t expire
  • Good welcome bonus
  • Earns up to 5% cash back.
  • Unlimited 1.5% cash back rewards on purchases
  • No membership fees
  • $750 initial rewards bonus
  • 0% Intro APR on purchases for 12 months
CONS
  • $5 or 5% Balance transfer fee
  • 3% foreign transaction fee
  • Spending cap on bonus categories
  • Minimum 2,000 points required for a redemption
  • 3% Foreign fee
  • No intro APR on balance transfers
  • No bonus categories
WELCOME BONUS
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
REWARDS
Ink Business Cash® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • You earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services. This is for each account anniversary year.
  • You earn 2% cash back. This is on the first $25,000 spent at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability, you won't be held responsible for unauthorized charges. They are made with your card or account info.
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
 Ink Business Unlimited® Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • You can redeem rewards for cash back, gift cards, and travel. You can also redeem them for more through Chase Ultimate Rewards®.
  • Unlimited 1.5 percent cash back on all purchases
  • With Zero Liability, you won’t be held responsible for unauthorized charges. They are made with your card or account information.
  • Get rewards faster with employee cards. They cost nothing extra. Set individual spending limits for greater control.
BENEFITS
Introductory APR - The Ink Business Cash® card typically offers an introductory 0% APR on purchases. It lasts for the first 12 months from account opening. it's helpfull for new businesses. This can help businesses make large purchases. They can pay them off over time without paying interest. Generous Cash Back Rewards - 5% cash back - Office internet, cable, and phone services. 2% cash back - gas stations and restaurants. 1% cash back - all other purchases with no limit Employee Cards at No Additional Cost - If you have multiple employees who will require additional cards issued, Business owners can issue employee cards for free. They can use the cards to easily manage and track employee spending. They can also earn rewards on their purchases. Remember, the 5% cash back category is capped at $25,000 per year across the account. It's not per authorized cardholder. Purchase Protection and Extended Warranty - The card provides purchase protection and covers new purchases against damage or theft for up to 120 days. It extends the time of the U.S. manufacturer's warranty by a year. This is for eligible warranties of 3 years or less. No-cost employee credit cards - You won't pay an extra fee for issuing an employee their business credit card. This can help you track and limit employees spending on the account. Rewards can be combined - Rewards can be combined. This works with another eligible Chase Ultimate Rewards card. The other card must belong to the company owner. You can pool your rewards between cards. This adds more ways to redeem them. Easy-to-understand rewards - Gift cards (1 cent per point). Travel booked through Chase Ultimate Rewards® (1 cent per point). Amazon purchases (0.8 cents per point). 0% interest for 12 months - The Chase Ink Business Unlimited card gives cash back rewards. It also has another great feature for business owners: a 0% APR on new purchases for 12 months. After that, the ongoing rate is 18.49% to 24.49%. If you are planning a large purchase for your business, this is a great chance to finance it at 0% for a year. You can use your sign-up bonus to help pay down the purchase.
CASH ADVANCE FEE / APR
Either $15 or 5% of the amount of each transfer, whichever is greater 29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater
BALANCE TRANSFER FEE
APR: 18.49% to 24.49% Variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater 18.49% - 24.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% 3%
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Large Welcome Bonus
More Details More Details

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