No annual feeChase Ultimate Rewards3% foreign feeVisaGood
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Chase Ink Business Cash vs. Ink Business Unlimited
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Both are $0-annual-fee Chase business cards that earn Ultimate Rewards. Ink Cash earns 5% on office supply stores and internet, cable, and phone services (combined $25,000/year cap) plus 2% at gas stations and restaurants; Ink Unlimited skips categories for a flat 1.5x on every purchase.
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Overview
No annual feeChase Ultimate Rewards3% foreign feeVisaGood
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Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Everything else
- Chase Ink Business Cash
- 1x
- Chase Ink Business Unlimited
- 1.5xHighest
| Category | Chase Ink Business Cash | Chase Ink Business Unlimited |
|---|---|---|
| Everything else | 1x | 1.5xHighest |
Highest marks a unique highest listed rate; muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Instacart+ Membership
- Chase Ink Business Cash
- $0/yr estimated usableUp to $240/yrConditional
- Chase Ink Business Unlimited
- —
Instacart+ Membership
- Chase Ink Business Cash
- —
- Chase Ink Business Unlimited
- $0/yr estimated usableUp to $240/yrConditional
Estimated usable credit value
- Chase Ink Business Cash
- —
- Chase Ink Business Unlimited
- —
Maximum face value
- Chase Ink Business Cash
- $240/yr
- Chase Ink Business Unlimited
- $240/yr
| Credit | Chase Ink Business Cash | Chase Ink Business Unlimited |
|---|---|---|
| Instacart+ Membership | $0/yr estimated usable Up to $240/yr Conditional | — |
| Instacart+ Membership | — | $0/yr estimated usable Up to $240/yr Conditional |
| Estimated usable credit value | — | — |
| Maximum face value | $240/yr | $240/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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