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.
Earn 75,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 17.99% to 23.99% variable). Earn 75,000 points after spending $6,000 within the first 3 months. Intro 0% APR for 12 months on purchases (after that 17.99% to 23.99% variable). – 5 points on up to $25,000 spent annually on office supply stores, internet, cable, and phone services – 5 points on Lyft rides 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. 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. Get up to $3,000 per person for lost or damaged luggage. Get up to $3,000 per person for lost or damaged luggage. 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. 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. 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. 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.
– 5 points on Lyft rides
– 2 points on up to $25,000 spent annually at gas stations and restaurants
– 1 point everywhere else
– Unlimited 1.5 points on all other purchases
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