The Chase Ink Business Unlimited vs Chase Ink Business Preferred 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 Chase Ink Business Unlimited card charges a $0 annual fee, while the Chase Ink Business Preferred 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: Chase Ink Business Unlimited vs. Chase Ink Business Preferred

  • Chase Ink Business Unlimited
    Chase Ink Business Preferred
  • Has Annual Fee
    This is an icon
  • Has Balance Transfer Offer
  • Has APR Offer
    This is an icon
  • Cash Back Rewards
    This is an icon
  • Travel Rewards
    This is an icon

Chase Ink Business Unlimited At a Glance

The Chase Ink Business Unlimited 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.


  • Chase Ink Business Unlimited

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


    • Good-ExcellentCredit Needed
    • $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.

Chase Ink Business Preferred At a Glance

With the Chase Ink Business Preferred 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.


  • Chase Ink Business Preferred

    A great card to maximize earning unlimited rewards


    • Good-ExcellentCredit Needed
    • $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 Chase Ink Business Unlimited and the Chase Ink Business Preferred card, MoneyGeek compared the rewards structures and other details of both cards below.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    The Chase Ink Business Unlimited 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 Chase Ink Business Preferred 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: Chase Ink Business Preferred

  • Welcome Bonus

    With Chase Ink Business Unlimited card, you get a $750 cash back bonus after spending $7,500 on purchases within the first three months, while the Chase Ink Business Preferred 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: Chase Ink Business Preferred

  • Rewards

    The Chase Ink Business Unlimited card offers an unlimited 1.5% cash back on every kind of purchases, while the Chase Ink Business Preferred 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: Chase Ink Business Preferred

  • Annual Fee

    The Chase Ink Business Unlimited card charges a $0 annual fee, while the Chase Ink Business Preferred card charges $95 in annual fees.

    Winner: Chase Ink Business Unlimited

  • Foreign Transaction Fees

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

    Winner: Chase Ink Business Preferred

Which Card Should You Get?

Both the Chase Ink Business Unlimited and the Chase Ink Business Preferred 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 Chase Ink Business Unlimited?

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

  • This is an icon

    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 is an icon

    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.

  • This is an icon

Who Should Consider the Chase Ink Business Preferred?

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 Chase Ink Business Preferred card would be a good option for you.

  • This is an icon

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

  • This is an icon

    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.

  • This is an icon
tip icon
EXPERT OPINION

Of these two cards, the Chase Ink Business Preferred 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 Chase Ink Business Unlimited. However, when you measure each card against one another, the value from the Chase Ink Business Preferred outweighs the Unlimited card by a decent margin.

Other Helpful Decision-Making FAQs

If choosing between the Chase Ink Business Unlimited and the Chase Ink Business Preferred 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 Chase Ink Business Unlimited and the Chase Ink Business Preferred 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
*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.