Costs & Pricing

Metric	Business Advantage Unlimited Cash Rewards	Ink Business Cash® Credit Card
Annual fee	$0	$0
Employee card fee	$0 (no published cap on number)	$0
Purchase APR	16.74%–26.74% variable after intro (creditworthiness-based)	16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)
Intro APR (purchases)	0% for 7 billing cycles, then 16.74%–26.74% variable	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)
Foreign transaction fee	3%	3%
Late payment fee	Not disclosed on public product pages	$40

Rewards & Value

Metric	Business Advantage Unlimited Cash Rewards	Ink Business Cash® Credit Card
Base earn rate	1.50% unlimited on all Net Purchases (no category cap)	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)
Welcome bonus	$500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026)	$1,000 bonus cash back after $8,000 purchases in the first 4 months (Chase labels this “OUR BEST OFFER EVER”; prior $750 struck through; posts 6–8 weeks after qualifying)
Redemption value	1¢ per 1% (cash is cash). No travel portal, no transfer partners.	1¢ per point for cash, gift cards, and Chase Travel. Other paths may be worth more or less. Do not assume transfer value unless paired with a transferable UR card.
Transfer partners	None	Not native. Points can be moved to another Ultimate Rewards card belonging to you, a household member, or a company owner. Airline/hotel transfers only after combining onto Ink Preferred, Sapphire Preferred/Reserve, or Sapphire Reserve for Business.

Credit & Eligibility

Metric	Business Advantage Unlimited Cash Rewards	Ink Business Cash® Credit Card
Personal guarantee	Required in substance — cards are backed by personal credit	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business
Credit check	Hard personal pull on applying owner/authorized officer	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)
Employee cards	Free; no published numeric cap; employee-transaction monitoring	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.
Product type	Revolving small-business credit card	Revolving business credit card

Pros & Cons

Business Advantage Unlimited Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Uncapped 1.5% on all Net Purchases; PRFB can take it to 1.87%/2.25%/2.62%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• No category tracking, no $50k bonus cap
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 2.62% requires business checking and $100k combined BofA/Merrill balances
• Personal-credit underwriting and personal liability
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT
• No transfer partners, lounge, or TSA credits; 1.5% trails 2% flats without PRFB

Ink Business Cash® Credit Card

Pros

• $0 annual fee with 5%/2%/1% structure and a $1,000 / $8,000 / 4-month public bonus as of Sept 2026
• 12-month 0% intro APR on purchases (lost only if a minimum payment is missed)
• Employee cards $0; AU spend earns rewards and counts toward the bonus and category caps
• Cash back is Ultimate Rewards points and combinable with a transferable Chase card
• Primary business rental-car coverage up to $60,000 and solid purchase/extended-warranty terms for a no-fee card

Cons

• Bonus categories cap at $25k each per anniversary year, then 1%
• 3% foreign-transaction fee
• Base rate 1% loses to flat 1.5–2% cards outside the bonus buckets
• Personal guarantee + personal hard pull + commonly reported 5/24 filter
• Welcome bonus blocked if you ever had this card or another $0-AF Chase business card; no cell-phone protection, lounges, or TSA credit

Verdict

Business Advantage Unlimited Cash Rewards

Unlimited is the simple SKU in the Business Advantage cash pair — 1.5% with no cap, or up to 2.62% if Preferred Rewards for Business Platinum Honors is real for you. It is not Customized (3%/2%/1% with a $50k cap). Without PRFB it is a fine no-fee 1.5% card that loses to Ink Unlimited's bonus and Spark Select's longer 0% window. With PRFB it becomes one of the better uncapped cash rates in the set. Skip it for foreign spend or no-PG underwriting.

Ink Business Cash® Credit Card

Ink Cash is the category SKU in the $0-AF Ink pair — not Unlimited (flat 1.5%) and not Preferred ($95, 3x ads/shipping/travel, $0 FTF, native transfers). It wins when office supplies and phone/internet/cable bills (plus some gas and dining) sit under two separate $25k anniversary caps. Pair it with Unlimited or Preferred rather than using it as an uncapped daily driver. Skip it for foreign spend, ad-heavy businesses, no-PG underwriting, or if a prior Ink Unlimited/Cash card already burned the $0-AF bonus.