The Ink Business Unlimited® Credit Card is a good option for business owners looking for a cashback credit card to boost their bottom line with a $0 annual fee.

This credit card has everything that’s most appealing to companies — the chance to earn unlimited cash back at a flat rate, a nice sign-up bonus and a good intro purchase APR. Plus, there’s flexibility in how you can redeem the cash back you earn on the card.

We’ll explore what you get with the Ink Business Unlimited® Credit Card, and compare it to what’s offered by the American Express Blue Business Cash™ Card, which could be a solid alternative.

• Favorable intro purchase APR

  The card has a 0% Intro APR on Purchases for 12 months (after which a 13.24% - 19.24% variable APR will apply).

• Annual fee

  The Ink Business Unlimited® Credit Card comes with a $0 annual fee.

• Flat rewards rate

  Earn unlimited 1.5% cash back on every purchase made for your business. Because of this card’s flat rate, you can focus on running your business, rather than trying to remember which spending categories earn higher cashback rates.

• Rewards redemption flexibility

  The cash back you earn on the Ink Business Unlimited® Credit Card can be used for cash, gift cards and products or services for your business at the Chase Ultimate Rewards® website. Your rewards are also good at Amazon.com, including taxes and shipping.

• Combine your rewards

  If you have one of three other Chase cards — Ink Business Preferred℠ Credit Card, Chase Sapphire Preferred® Card or Chase Sapphire Reserve® — you can combine the rewards you earn on them with the cash back earned on the Ink Business Unlimited® Credit Card. Convert your cash back into points and use those combined rewards to receive more value when you use them for travel on the Chase Ultimate Rewards website.

• Big spend required to earn signup bonus

  Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. The spend required to earn this card’s bonus is pretty steep compared to other cashback cards, so make sure you have enough expenses lined up to meet this before you apply for the card.

• Low rewards rate

  There are competing no-annual-fee business credit cards — including the Ink Business Cash® Credit Card, American Express Blue Business Cash™ Card or the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card — that offer higher cashback rewards in spending categories important to businesses.

• Meager travel perks

  Some businesses might want more travel insurance benefits, such as trip delay, trip interruption or lost baggage.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here

Compare it to the American Express Blue Business Cash™ Card

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American Express Blue Business Cash™ Card

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Rates & Fees

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American Express Blue Business Cash™ Card

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Intro Purchase APR 0% on purchases for 12 months from date of account opening

Regular Purchase APR 13.24% - 19.24% Variable

Annual Fee No annual fee

Rewards Rate Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%… Read More

Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
• No Annual Fee
• Terms Apply

Typical Credit Needed

680 850

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The no annual fee American Express Blue Business Cash™ Card offers a simple rewards structure with no bonus spend categories, but at a higher reward rate than the Ink Business Unlimited® Credit Card.

American Express Blue Business Cash™ Card cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cashback earned is redeemed as a statement credit.

The American Express Blue Business Cash™ Card comes with an intro APR on purchases of 0% on purchases for 12 months from date of account opening (then a 13.24% - 19.24% variable APR) — which is the same as the Ink Business Unlimited® Credit Card.

Additionally, the American Express Blue Business Cash™ Card allows card members to spend above the set spending limit and still earn cash back as a statement credit, with no fees. However, this benefit isn’t unlimited and will take card use, payment history, credit record, financial resources and other factors into consideration to determine how much more spending above your credit limit will be allowed on the card.

The American Express Blue Business Cash™ Card comes with a variety of perks, including car rental loss and damage insurance, the Global Assist® Hotline, extended warranty, purchase protection, dispute resolution and Amex Offers for shopping, dining, travel, and more. But you will pay a foreign transaction fee of 2.7% of each transaction after conversion to US dollars..

The American Express Blue Business Cash™ Card not only offers free employee credit cards, but it also comes with these business tools: a designated account manager; the American Express® Business App that lets you add receipts and notes to your transactions either via desktop or your mobile device; the ability to link you card to your QuickBooks account; set account alerts; and receive a year-end spending report. The only business tool the Ink Business Unlimited® Credit Card offers are free employee credit cards.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

Before deciding which business credit cards is best for your company, you need to ask the following questions:

• Are business-friendly spending categories rewarded with higher cash back?
• How many ways can cashback rewards be redeemed?
• Does the card come with intro purchase and balance transfer APRs?
• How many employee cards can you get and how much will they cost?
• What travel and purchase protections come with the card?
• Does it charge a foreign transaction fee?

If you want a card with unlimited cash back at a flat rate, flexible ways to redeem rewards and some travel and purchase perks, then go with the Ink Business Unlimited® Credit Card.

To see the rates and fees for American Express Blue Business Cash™ Card, please click here.