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What Is The Difference Between The Chase Ink Cash And Chase Ink Unlimited

- Jan 12, 2023 Credit Card Info0 comments

Both the Ink Cash and Ink Unlimited have the same welcome offer of 90,000 points after you spend $6,000 within three months. They both have no annual fee and they both offer 0% APR for 12 months. So what is the difference between the two cards? The only difference is the reward categories. Here are the details

Category rewards for Ink Cash and Ink Unlimited

The Ink Cash earns:

5 points on up to $25,000 spent annually at the following categories: 

  • Office supply stores, (Staples, Office Depot, etc.) 
  • Internet, cable, and phone services
  • Lyft Rides

2 points on up to $25,000 spent annually at the following categories: 

  • Gas 
  • Restaurants 

1 point on all other purchases.

The Ink Unlimited earns: 

1.5 points on all purchases (and 5 points on Lyft Rides)

Which one is better?

Being that the only difference is the rewards then choosing a winner will depend on which categories you plan on using the card.

If you spend a lot in office supplies stores then your best pick would be the Ink Cash (earning 5 points). But if you’re planning on using the card for general purchases then the Ink Unlimited would be better (earning 1.5 points on all purchases). 

It’s important to note that you can buy gift cards for many popular retailers at an office supplies store and earn 5 points with the Ink Cash. For example; Amazon, Home Depot, and many more gift cards can be bought at Staples. 

Can't decide? Get both!

Chase is now approving people easily for both cards. So you can get both and designate the Ink Cash card to pay your cell phone bills and for office supplies and earn 5 points.  And get the Ink Unlimited for other purchases. 

To learn how to get approved for both Ink cards, read this post.

Card Details
Welcome Bonus

Earn 90,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 17.49% to 23.49% variable).

Earn 90,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 17.49% to 23.49% variable).

Rewards

– 5 points on up to $25,000 spent annually on office supply stores, internet, cable, and phone services
– 5 points on Lyft rides
– 2 points on up to $25,000 spent annually at gas stations and restaurants
– 1 point everywhere else

– 5 points on Lyft rides
– Unlimited 1.5 points on all other purchases

Benefits
Auto Rental Collision Insurance

Worldwide primary coverage on rentals for business purposes, and secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.

Worldwide primary coverage on rentals for business purposes, secondary coverage on rentals for personal purposes. Coverage is for rentals up to 31 days.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Get up to $3,000 per person for lost or damaged luggage.

Extended Warranty Protection

Get your original manufacturer's warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Get your original manufacturer's warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Get refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.

Roadside Assitance

Get roadside service calls dispatched for free. You will have to pay a set service fee per call.

Chase will dispatch you assistance for free, but you will need to pay the service fee.

Frequently asked questions
Can I combine points on the Ink cards?
Yes, except for the Ink Premier which can't be transferred
Can I move credit limits from one Chase business card to another?
Yes, except for the Ink Premier which you can only transfer credit limits to but not from the Ink Premier

Was this article helpful?

Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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