Chase Ink Business Unlimited vs Ink Business Cash: Which Card Works for You?

Choosing Between Chase Ink Business Unlimited and Cash

Florida business owners often find themselves at a crossroads when selecting the right credit card to manage their expenses effectively. Among their options, the Chase Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card stand out as two appealing choices. But which one truly benefits your business the most? Let’s break it down.

Understanding the Key Differences

Both cards come with no annual fee and a generous welcome offer: earn $900 cash back after spending $6,000 in the first three months. However, their rewards structures vary significantly. The Ink Business Unlimited offers, as the name suggests, unlimited 1.5% cash back on all purchases, making it a straightforward choice for those looking for simplicity.

On the other hand, the Ink Business Cash rewards you more selectively, providing 5% cash back on office supply and certain telecom services, and 2% cash back on gas and restaurants — but only up to a certain spending limit. Therefore, if your business has high expenditures in these categories, you might maximize your cash back potential with the Cash card.

Rewards and Redemption Options

Both cards allow you to redeem your cash back for various options including travel and gift cards through the Chase Ultimate Rewards portal. While the Ink Business Unlimited is designed for those who prefer consistent returns on their spending without the hassle of tracking categories, the Cash card is better suited for entrepreneurs whose expenses align with the bonus categories.

Security and Protection Features

Security is paramount for business owners, and both Chase cards offer primary car rental coverage when used for rentals related to business, along with purchase protection, extended warranty, and coverage for cell phones paid for with the card. These protections can save business owners significant expenses and hassle in case of unforeseen events.

Making the Right Choice for Your Business

When deciding between the two, consider the nature of your business expenses. If your spending habits lean towards office supplies and gas stations, the Ink Business Cash is likely to yield greater rewards in cash back. Conversely, if simplicity and an all-encompassing rewards program are what you seek, then the Ink Business Unlimited may be the ideal match.

Ultimately, there's no definitive 'better' option — just the better option for your specific business needs. Explore all that both cards have to offer to truly understand their potential impact on your financial strategy.

Call to Action

For Florida home and business owners, taking the time to evaluate these options can lead to significant savings and rewards that enhance your business operations. Consider your spending habits and choose the card that aligns best with your objectives. Explore these cards further and get ready to boost your business’s cash flow before you apply!