Maximize Your Rewards: Chase Ink Unlimited vs. Ink Cash - The Ultimate 75,000 Point Bonus
Note: The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Last Updated: January 18, 2024
A Tale of Two Cards
With both the Chase Ink Unlimited® and Ink Cash® cards offering a tantalizing 75,000-point sign-up bonus (after you meet the $6,000 spending requirement in the first 3 months), choosing between these two stellar business credit cards can be challenging. Chase markets this as a “$750 cash back” but this “cash” is actually in the form of 75,000 Chase Ultimate Reward Points. You can super charge this points if you have a personal Chase Sapphire Preferred or Chase Sapphire Reserve, since you’ll then be able to transfer your Chase Business Ink Unlimited or Ink Cash points over to your personal Chase cards.
Each card caters to different business needs; understanding these nuances is key to making an informed decision. Let's break down the features of each card to help you decide which one aligns best with your business goals.
Chase Ink Unlimited: Uncomplicated and Rewarding
Unlimited Cash Back: The Chase Ink Business Unlimited® is the epitome of simplicity, offering unlimited 1.5% cash back on all purchases. This card is perfect for businesses with diverse spending needs that don't fall into specific categories.
No Annual Fee: The absence of an annual fee makes the Ink Unlimited® an economical choice, especially for small businesses and startups looking to minimize costs.
Introductory APR: An introductory 0% APR on purchases for the first 12 months can be a game-changer for businesses planning significant investments in the near future. After that, 18.49% to 24.49%, based on your creditworthiness and other factors.
Chase Ink Cash: Maximizing Specific Spending Categories
Higher Cash Back in Categories: The Chase Ink Cash® shines in its ability to provide higher cashback rates in specific categories. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants.
No Annual Fee: Like the Ink Unlimited®, the Ink Cash® also boasts no annual fee, making it a cost-effective option for budget-conscious businesses.
Introductory APR: The Ink Cash® matches the Ink Unlimited with a 0% introductory APR for 12 months on purchases, offering a cushion for businesses making large purchases.
75,000 Point Sign-Up Bonus Opportunity
Both cards currently offer a lucrative 75,000-point sign-up bonus when you spend $6,000 in the first 3 months, an opportunity that businesses should not miss. This bonus can translate into significant savings or investment opportunities for your business.
What if I don’t have a business?
Chances are you do have a business that will qualify for these cards. Any small business, even a sole proprietorship, counts. Sell something on Etsy or offer a dog walking service? You likely have a business. You might not have a Federal EIN (EIN stands for Employer Identification Number - basically a business “Social Security Number”), but you can use your Social Security Number when applying.
Which Card Should You Choose?
For Diverse Spending: If your business expenses are varied and don't fit into specific categories, the Chase Ink Unlimited® is your go-to card. Its straightforward cash back on all purchases ensures you're always earning rewards, no matter where your business spending takes you.
For Category-Specific Spending: If your business spends heavily in office supplies, telecommunications, gas stations, or dining, the Chase Ink Cash® will maximize your rewards in these areas, making it the ideal choice.
Final Point: Tailoring to Your Business Needs
Both the Chase Ink Unlimited® and Ink Cash® cards are exceptional choices for businesses looking to maximize their credit card rewards. The decision ultimately hinges on your business's spending patterns. With the 75,000-point sign-up bonus offer , now is the perfect time to evaluate your business needs and choose the card that will best support your financial goals.