Ink Business Unlimited® Credit Card
No-annual-fee flat 1.5% cash back with a 12-month 0% purchase intro APR
Ink Business Cash® Credit Card
No-annual-fee category cash-back: 5% office supplies + telecom (capped), 2% gas + dining (capped), 1% else, plus 12-month 0% intro APR on purchases
Costs & Pricing
| Metric | Ink Business Unlimited® Credit Card | Ink Business Cash® Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Employee card fee | $0 | $0 |
| Purchase APR | 16.74%–24.74% variable (Prime + 9.99% to +17.99%; cap 29.99%) | 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% fixed for first 12 months (lost if minimum payment missed) | 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 | $40 | $40 |
Rewards & Value
| Metric | Ink Business Unlimited® Credit Card | Ink Business Cash® Credit Card |
|---|---|---|
| Base earn rate | 1.5% cash back (1.5 Ultimate Rewards points per $1) | 1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited) |
| Welcome bonus | $1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026) | $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¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point | 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 | Not native on this card; points can be moved to another Ultimate Rewards account for transfer-partner access when paired with eligible cards (e.g., Ink Preferred) | 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 | Ink Business Unlimited® Credit Card | Ink Business Cash® Credit Card |
|---|---|---|
| Personal guarantee | Required — joint and several liability of authorizing officer and business | Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business |
| Credit check | Hard pull on authorizing officer's personal credit (SSN required) | Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page) |
| Employee cards | Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts | Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool. |
| Product type | Revolving business credit card | Revolving business credit card |
Pros & Cons
Ink Business Unlimited® Credit Card
Pros
- $0 annual fee on primary and employee cards
- Uncapped 1.5% on eligible purchases — simple flat-rate earn
- 12-month 0% intro APR on purchases
- Elevated $1,000 / $8,000 / 4-month welcome bonus (as of 9/3/2026); AU spend counts
- Primary business-use rental CDW up to $60,000 on a no-fee card
Cons
- 3% foreign-transaction fee
- No native bonus categories — loses to 2% flats and Ink Cash/Preferred in bonus buckets
- Personal guarantee + hard personal pull + unofficial 5/24 rule
- Welcome bonus blocked if you ever held this or another $0-AF Chase business card
- No balance-transfer intro APR; no cell-phone protection or premium travel credits
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
Ink Business Unlimited® Credit Card
One of the strongest no-annual-fee business cards for flat-rate earn. The Ink Business Unlimited combines uncapped 1.5% cash back, a generous intro APR window, free employee cards, and a elevated welcome bonus — all without an annual fee. Best for domestic spenders who don't need category bonuses or premium travel perks. Poor fit for foreign spend, no-PG seekers, or businesses that would earn more with Ink Cash or Ink Preferred in their bonus categories.
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.