Is Ink Business Unlimited® Credit Card better than the Ink Business Preferred® Credit Card?

Both the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Cards offer great value for small-business owners. It’s best to compare both cards to see which one best fits your needs.

Can you get the Ink Business Unlimited® Credit Card if you have the Ink Business Preferred® Credit Card?

Yes, it’s possible to get the Ink Business Unlimited® Credit Card if you have the Ink Business Preferred® Credit Card. However, you may want to review the Chase 5/24 rule — which means that your application for another Chase card won’t be approved if you have gotten five or more credit cards in the last 24 months.

Can you transfer points from the Ink Business Unlimited® Credit Card to the Ink Business Preferred® Credit Card?

Yes, you can transfer points from the Ink Business Unlimited® Credit Card to the Ink Business Preferred® Credit Card for a higher redemption value.

Can you switch from the Ink Business Unlimited® Credit Card to the Ink Business Preferred® Credit Card?

Yes, you can switch from the Ink Business Unlimited® Credit Card to the Ink Business Preferred® Credit Card. However, you should have had your card for at least an year and a product change is not guaranteed.

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

Q: What’s harder to get, the Ink Business Unlimited® Credit Card or the Ink Business Preferred® Credit Card?

Both cards require you to own a business and have good to excellent credit scores. You can gauge your odds of approval by using the Chase pre-approval online tool.

Q: How much do you have to spend for the Ink Business Unlimited® Credit Card vs Ink Business Preferred® Credit Card to get the welcome bonus?

With the Ink Business Unlimited® Credit Card, you would have to spend $7,500 in purchases within the first three months, while the Ink Business Preferred® Credit Card requires you to spend $15,000 in purchases within the first three months.

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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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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.

OUR COMPARISON AT A GLANCE

Comparison Overview
Ink Business Unlimited® Credit Card at a Glance
Ink Business Preferred® Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

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
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent
Good–Excellent

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
Pros
No annual fees
Flat 1.5% cash back
A spend-based welcome bonus of $900
0% intro APR for 12 months

Cons
No bonus cash back categories
Foreign transaction fees
No annual fee
Earn $900 bonus cash back by spending $6,000 in the first three months
Earn 1.5% cash back
0% intro APR on purchases for the first 12 months, then variable APR 17.49% – 23.49% after that.
Free employee cards
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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
Pros
Earn 3X points per $1 on the first $150,000 you spend in a year across different categories
Earn 1X points per $1 across all other categories
Earn unlimited reward points that don't expire
Redeem points for cash back, travel, gift cards and more
No foreign transaction fees
Purchase and travel coverage benefits

Cons
Annual fees
Cash advance and balance transfer fees
A late payment can lead to a penalty APR
Earn a sizable welcome offer by meeting spend-based requirements.
Earn 3X points on the first $150,000 spent on travel; internet, cable and phone services; advertising purchases made online and shipping purchases.
All other purchases come with 1X points
Redeem reward points in the form of cash back, as 1:1 points transfer to an airline or hotel travel partner, to buy gift cards, to cover travel expenses or to shop at the Chase Ultimate Rewards Store.
Pay no foreign transaction fees anywhere in the world.
Setting individual spending limits for employee cards is easy.
Stand to benefit through different complimentary coverage benefits, such as purchase protection, extended warranty protection, cell phone protection, auto rental collision damage waiver, roadside dispatch and trip cancellation/trip interruption insurance.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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.

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.
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.
≫ More: Read Our Full Review

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.

This card does not charge a foreign transaction fee — which makes it the best option for using while traveling abroad.
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.
≫ More: Read Our Full Review

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

sources

Chase Bank. "Ink Business Unlimited® Credit Card Credit Card." Accessed January 5, 2022.
Chase Bank. "Ink Business Preferred® Credit Card Credit Card." Accessed January 5, 2022.

*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. Learn more about our editorial policies and expert editorial team.
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