Question 1

What are the key differences between the Chase Ink Cash and Chase Ink Unlimited cards?

Accepted Answer

The primary differences between these two Chase business cards lie in their earning structures. The Chase Ink Cash offers higher cashback rates in specific categories like office supply stores, internet, phone services, gas stations, and restaurants. In contrast, the Chase Ink Unlimited provides a consistent 1.5% cashback on all purchases without category limitations. Additionally, the cards have similar introductory offers and offer transferable rewards points.

Question 2

Can I transfer the rewards earned with these cards to other Chase cards?

Accepted Answer

Yes, you can transfer rewards earned with both the Chase Ink Cash and Chase Ink Unlimited cards to higher-tier Chase cards that earn Ultimate Rewards points. This allows you to maximize the value of your points, especially when redeeming for travel through the Chase Travel Portal.

Question 3

Are there any annual fees for these cards?

Accepted Answer

No, both the Chase Ink Cash and Chase Ink Unlimited cards come with no annual fees, making them accessible options for business owners looking to minimize expenses.

Question 4

What types of purchase and travel protections do these cards offer?

Accepted Answer

Both cards offer primary coverage for the auto rental collision damage waiver when renting a vehicle for business purposes. They also include travel and emergency assistance services, roadside dispatch, travel accident insurance, baggage delay insurance, lost luggage reimbursement, purchase protection, and extended warranty protection, providing valuable benefits for business-related expenses.

Question 5

Can I link my business and personal Chase cards for enhanced rewards?

Accepted Answer

Yes, you can link your business and personal Chase cards to one login. This allows you to transfer points earned on your business card, like the Chase Ink Cash or Chase Ink Unlimited, to your personal Chase cards, such as the Chase Sapphire Preferred or Chase Sapphire Reserve. This linkage can provide redemption bonuses when using the Chase Travel Portal for travel rewards.

Question 6

How do I decide between these two cards for my business?

Accepted Answer

The choice between Chase Ink Cash and Chase Ink Unlimited depends on your business's spending patterns. If you have significant expenses in categories like office supplies, internet, phone services, gas stations, and restaurants, Chase Ink Cash may offer higher cashback rewards. Conversely, if your business expenses are diverse or don't heavily favor these categories, Chase Ink Unlimited's 1.5% cashback on all purchases can be more appealing.

Question 7

Can I change my card choice later if my business spending patterns evolve?

Accepted Answer

Yes, you can change your card choice later based on how your business evolves. Chase offers flexibility, and you can request product changes or apply for additional cards as your business needs change over time.

Question 8

How can I apply for these Chase business cards?

Accepted Answer

You can apply for either Chase Ink Cash or Chase Ink Unlimited through the Chase website or by visiting a Chase branch if available in your area. The application process typically involves providing information about your business and personal finances.