Which No-Fee Chase Business Credit Card Is Best (Outstanding Welcome Offers)

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• card_name – bonus_miles_full. annual_fees

Chase has several different small business credit cards, and they are some of the best credit cards out there. If you’re not looking at business cards, you are misisng out on some of the best bonuses. Today I thought it might make sense to compare the Chase Ink Business Unlimited vs. the Chase Ink Business Cash to see which of these two cards might be the best. Deciding what might be best will depend on your specific situation, but there are a few rules of thumb that you might want to consider. Both of these cards currently come with no annual fee and equivalent signup bonuses, so it mostly comes down to which one will help you earn the most points through ongoing spending.

Both of these are considered business credit cards, but you may have a business even if you don’t think you do. And I would say that if you are ignoring the small business cards and only applying for personal credit cards, you are doing yourself a disservice by passing up on half of the available credit card bonus offers.

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The Chase Ink Cash is another no-fee option. Rather than earning 1.5 Ultimate Rewards points per dollar, you’ll get 5X at office supply stores and on internet, cable and phone services, and 2x at gas stations and restaurants. So depending on your spending patterns, you may find that you’ll come out ahead with the Ink Cash instead of the Ink Unlimited. You can also consider having both cards – that way you can use the Ink Cash where it gets a spending bonus and the Ink Unlimited everywhere else.

Just like with the Ink Unlimited, if you don’t have a premium Chase card (like the Sapphire Reserve or Ink Preferred), then your points are worth just 1 cent per point. But if you do have a premium card, you can transfer your Chase points that you earn with the Ink Unlimited and get 25% or 50% extra value.

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• 5X at office supply stores and on internet, cable and phone services (up to $25,000 per year combined)
• 2X at gas stations and restaurants (up to $25,000 per year combined)
• Primary Car Rental Damage Insurance when traveling for business (so you can decline the car rental company’s insurance)
• No annual fee

Read our full Chase Ink Cash review

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The first card to look at is the Chase Ink Unlimited. The Ink Unlimited has a very simple earning structure. You’ll get 1.5 Ultimate Rewards points per dollar spent on the card (marketed as 1.5% cash back). If you don’t have a premium Chase card (like the Sapphire Reserve or Ink Preferred), then your points are worth just 1 cent per point. But if you do have a premium card, you can transfer your Chase points that you earn with the Ink Unlimited and get 25% or 50% extra value.

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• 1.5X Ultimate Rewards points on all purchases
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• Primary Car Rental Damage Insurance when traveling for business (so you can decline the car rental company’s insurance)
• No annual fee

Read our full Chase Ink Unlimited review

Chase Ink Business Unlimited® vs. Chase Ink Business Cash® – Which Is Better?

The Ink Cash and Ink Unlimited cards are very similar. They both have no annual fee, the same benefits and perks and the same welcome offer. The main (only?) difference is in their earning strategy. The Ink Cash gives you 5X at office supply stores and on internet, cable and phone services (up to $25,000 per year combined), 2X at gas stations and restaurants (up to $25,000 per year combined) and 1X everywhere else. The Ink Unlimited earns 1.5X on all purchases. Which one is better will depend on how much you spend at office supply stores, internet, cable, phone, gas stations and restaurants. If you have an above average spending in those categories, the Ink Cash may be the better option. Otherwise, consider the Ink Unlimited as a good “everyday” card.

Though frankly, there’s a case to be made for having both cards (I do).

Other Chase Ink Cards To Consider

There are 2 other Chase Ink cards that you might want to consider consider:

• card_name – bonus_miles_full annual_fees – read our full review here
• card_name – bonus_miles_full annual_fees – read our full review here

Remember that if you only hold the Chase Ink Cash or Chase Ink Unlimited (or both), you won’t be able to transfer your points to Chase’s hotel and airline travel partners. So it can make sense to get either the Ink Preferred or Ink Premier as a premium Chase card. That way you can combine your Chase points and unlock even more value.

The Bottom Line

Deciding whether the Chase Cash Unlimited or Chase Ink Cash is best for you will depend on your particular spending patterns. Personally, I have both the Ink Cash and Ink Unlimited (along with the Sapphire Preferred), and I think there can be value in having both. If you’re only going to get one, consider how much you spend in the categories where the Ink Cash gets 5X or 2X. If you don’t spend very much in those categories, then the 1.5X on all purchases of the Ink Unlimited may be the better option.

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What about you? Do you have either of these Chase Ink cards? Which one do you think is best?

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