Ink Business Unlimited® Credit Card vs. Ink Business Preferred® Credit Card: Which Is Best for You?

Small-business owners looking for a credit card with a high rewards rate and a hefty welcome bonus to cover their business expenditures could benefit greatly from either the Ink Business Unlimited® Credit Card or the Ink Business Preferred® Credit Card.

Advertising & Editorial DisclosureLast Updated: 11/18/2022
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Last Updated: 11/18/2022

The Ink Business Unlimited® Credit Card vs Ink Business Preferred® Credit Card comparison shows that while both cards are geared towards business owners — they are quite different in terms of their rewards structures and annual fees.

For example, the Ink Business Unlimited® Credit Card charges a $0 annual fee, while the Ink Business Preferred® Credit Card has a $95 annual fee. MoneyGeek compared both cards in this guide to help you understand the difference between them and choose a card that’s the best fit for your needs.

Comparison Overview: Ink Business Unlimited® Credit Card vs. Ink Business Preferred® Credit Card

  • Ink Business Unlimited® Credit Card
    Ink Business Preferred® Credit Card
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
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  • Cash Back Rewards
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  • Travel Rewards
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Ink Business Unlimited® Credit Card At a Glance

The Ink Business Unlimited® Credit Card offers a welcome bonus of $750 cash back after you spend $7,500 on purchases within the first three months after account opening. With this card, you also get an unlimited 1.5% cash back when you use it to cover any of your business expenses. It also offers a 0% intro APR for the first 12 months — which can be pretty helpful if you have any large purchases coming up.


  • Ink Business Unlimited® Credit Card

    A great business card with a flat, simple rewards structure and no annual fees.


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on TV, Phone, Internet Services
    • 1.5xRewards Rate on Entertainment

    Terms, rates and fees apply

    Compare this credit card with other top-rated business credit cards from our partner.

Ink Business Preferred® Credit Card At a Glance

With the Ink Business Preferred® Credit Card, you get 100,000 bonus points on spending up to $15,000 on purchases within the first three months of account opening — which is equivalent to about $1,000 in rewards, or $1,250 when redeemed in the Chase travel portal. This card also offers three points per dollar spent on business expenses like advertising, shipping, travel, internet, cable and other services up to $150,000 in each account anniversary year and one point per dollar spent on other purchases.


  • Ink Business Preferred® Credit Card

    A great card to maximize earning unlimited rewards


    • Good-ExcellentRecommended Credit
    • $95Annual Fee
    • 1–3 Points per $1Rewards Rate
    • 3xRewards Rate on TV, Phone, Internet Services
    • 3xRewards Rate on Air Travel

    Terms, rates and fees apply

    Compare this credit card with other top-rated travel rewards cards.

Comparison Summary

To help you understand the difference between the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Card, MoneyGeek compared the rewards structures and other details of both cards below.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    The Ink Business Unlimited® Credit Card offers purchase protection against theft or damage up to $10,000 per claim and $50,000 per account for 120 days; however, it does not offer any coverage in case of trip cancellation or trip interruption.

    The Ink Business Preferred® Credit Card offers reimbursement up to $5,000 per person and $10,000 per trip in case it gets cancelled or is cut short due to sickness or any other reason. This card also offers purchase protection.

    Winner: Ink Business Preferred® Credit Card

  • Welcome Bonus

    With Ink Business Unlimited® Credit Card, you get a $750 cash back bonus after spending $7,500 on purchases within the first three months, while the Ink Business Preferred® Credit Card offers 100,000 bonus points on spending $150,000 on purchases within the first three months — which is equivalent to about $1,000 in cash back rewards.

    Winner: Ink Business Preferred® Credit Card

  • Rewards

    The Ink Business Unlimited® Credit Card offers an unlimited 1.5% cash back on every kind of purchases, while the Ink Business Preferred® Credit Card offers 3x points per $1 spent on business expenses up to $150,000 in each account anniversary year and 1 point per $1 spent on other purchases.

    Winner: Ink Business Preferred® Credit Card

  • Annual Fee

    The Ink Business Unlimited® Credit Card charges a $0 annual fee, while the Ink Business Preferred® Credit Card charges $95 in annual fees.

    Winner: Ink Business Unlimited® Credit Card

  • Foreign Transaction Fees

    If you’re a frequent traveler, the Ink Business Preferred® Credit Card would be of great benefit — since it does not charge a foreign transaction fee. The Ink Business Unlimited® Credit Card charges a 3% fee on every foreign transaction.

    Winner: Ink Business Preferred® Credit Card

Which Card Should You Get?

Both the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Card offer great value for business owners. It’s best to consider your needs before deciding about getting either of these cards.

Who Should Consider the Ink Business Unlimited® Credit Card?

The Ink Business Unlimited® Credit Card is a great option for business owners who do not want to spend time analyzing different bonus categories.

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    Since this card offers an unlimited 1.5% cash back on every type of purchase, it’s a good option if you want a card with a simple rewards program to cover your business expenses.

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    This card offers a 0% intro APR for the first 12 months — making it the best option in case you have a large purchase coming up.

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Who Should Consider the Ink Business Preferred® Credit Card?

If you’re a business owner who frequently travels abroad and is looking for a card with a great travel rewards program and rewards on other business purchases — the Ink Business Preferred® Credit Card would be a good option for you.

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    This card does not charge a foreign transaction fee — which makes it the best option for using while traveling abroad.

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    Since this card offers a high reward rate of 3x points per $1 spent on business expenses like advertising, shipping, travel, internet, cable and other services and 1 point per $1 spent on other purchases, it’s a good option if you want to reap maximum rewards.

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EXPERT OPINION

Of these two cards, the Ink Business Preferred® Credit Card is absolutely the superior card for someone who travels. However, if you’re a business owner who wants no frills and wants to simply save money, you can’t go wrong with the Ink Business Unlimited® Credit Card. However, when you measure each card against one another, the value from the Ink Business Preferred® Credit Card outweighs the Unlimited card by a decent margin.

Other Helpful Decision-Making FAQs

If choosing between the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Card is difficult for you, MoneyGeek researched frequently asked questions to help you decide between both cards.

Still Not Sure About These Cards? Consider These Options

While both the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Card are great options for business owners — you can also look over other rewards cards to see if any of them would be the best fit for your needs.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.