Head-to-head · 🇺🇸 United States
Chase Ink Business Cash vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Chase
Chase Ink Business Cash
VISA
Wins 1 of 10
US
US Bank
US Bank Cash+
VISA
Wins 1 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Ink Business Cash | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Chase Ink Business Cash vs US Bank Cash+: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Ink Business Cash wins on 1 criteria, US Bank Cash+ on 1.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Ink Business Cash for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.