Ink Business Cash Credit Card vs Ink Business Unlimited Credit Card

Updated September 24, 2026 · from RightCard's verified card and merchant data

Ink Business Unlimited Credit Card earns more in 7 of 9 categories (supermarkets, travel, online shopping, drugstores), Ink Business Cash Credit Card in 2, with 0 tied. Ink Business Cash Credit Card: no annual fee. Ink Business Unlimited Credit Card: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Ink Business Cash Credit Card	Ink Business Unlimited Credit Card	Wins
Restaurants	2x points (3.6¢)	1.5x points (2.7¢)	Ink Business Cash Credit Card
Supermarkets	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card
Gas stations	2x points (3.6¢)	1.5x points (2.7¢)	Ink Business Cash Credit Card
Travel	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card
Online shopping	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card
Drugstores	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card
Transit & rideshare	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card
Streaming	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card
Everything else	1x points (1.8¢)	1.5x points (2.7¢)	Ink Business Unlimited Credit Card

Point values: Ink Business Cash Credit Card: Chase Ultimate Rewards at 1.8¢ toward travel; Ink Business Unlimited Credit Card: Chase Ultimate Rewards at 1.8¢ toward travel. Cash out and most points are worth 1¢ or less.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Ink Business Cash Credit Card	no annual fee	none verified	—
Ink Business Unlimited Credit Card	no annual fee	none verified	—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 9 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Ink Business Cash Credit Card in full → · Ink Business Unlimited Credit Card in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Ink Business Cash Credit Card or Ink Business Unlimited Credit Card: which earns more?

Ink Business Unlimited Credit Card earns more in 7 of 9 categories (supermarkets, travel, online shopping, drugstores), Ink Business Cash Credit Card in 2, with 0 tied. Ink Business Cash Credit Card: no annual fee. Ink Business Unlimited Credit Card: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Ink Business Cash Credit Card or Ink Business Unlimited Credit Card?

Ink Business Cash Credit Card: no annual fee. Ink Business Unlimited Credit Card: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 9 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card