Ink Business Unlimited vs. Chase Freedom Unlimited: The credit card showdown
Chase offers a full line of products credit card rewardsincludes the Sapphire and Freedom card lines for consumers and Ink business family for business owners. However, there are some overlaps in the earning structure and benefits that these cards bring.
An example is Pursue Unlimited Freedom® And Ink Business Unlimited® Credit Card. Both offer a minimum 1.5% cash back on all spending, making them great no-annual-fee cards for everyday expenses that don’t fall into other bonus categories.
If you’re considering these two cards, make sure you’re below Chase’s 5/24 Rule and that you are Eligible for business card.
Let’s take a closer look at each card offer to see which one is worth more.
Compare Ink Business Unlimited and Chase Freedom Unlimited
| Card | Pursue unlimited freedom | Unlimited business ink |
|---|---|---|
| Welcome offer | Earn 1.5% extra cash back on everything you buy (on up to $20,000 spent in the first year), worth up to $300 cash back | Earn $900 cash back after spending $6,000 on purchases in the first three months of account opening |
| Annual fee | $0 | $0 |
| Bonus rate |
|
|
| Foreign transaction fees | 3% | 3% |
| Other benefits |
|
|
Ink Business Unlimited vs. Chase Freedom Unlimited Welcome Bonus
Now, new Unlimited business ink Cardholders can earn $900 cash back after spending $6,000 on purchases in the first three months of opening an account.
Meanwhile, new Unlimited freedom Cardholders can earn an extra 1.5% cash back on everything they buy (on up to $20,000 in spending in the first year), worth up to $300 in cash back.
Winner: Unlimited business ink. Its welcome offer is more valuable.
Related: The best time to apply for these popular Chase credit cards is based on offer history
Ink Business Unlimited vs. Chase Freedom Unlimited Benefits
the Unlimited ink business, which, unsurprisingly, doesn’t offer as many perks as other cards do Higher annual fees. Most notably, you won’t get cell phone insurance or trip cancellation/interruption insurance.
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However, you’ll get purchase protection, collision damage waivers on car rentals, a year-long warranty extension on certain purchases, and an employee badge at no extra cost. extra fee.
the Unlimited freedom offers some solid perks like rental car protection, Trip cancellation and trip interruption insuranceRoadside dispatch, extended warranty protection and Purchase protection. If you lack another card with stronger benefits, Freedom Unlimited offers the right coverage for one card without the annual fee.
Winner: Unlimited freedom. Because Freedom Unlimited offers trip cancellation and trip interruption insurance, it is superior to Ink Business Unlimited.
Earn cash back with Ink Business Unlimited vs. Chase Freedom Unlimited
the Unlimited business ink 5% cashback offer Ride a Lyft through March 2025 and 1.5% cash back all other purchases There are no rotating or bonus categories.
the Unlimited freedom 5% cashback offer tourism Book through Chase Travel, get 3% back eat and drink (including eligible takeout and delivery), 3% back at pharmacies and 1.5% back on all other purchases.
Winner: Unlimited freedom. Its earnings rate is higher because it has bonus categories in addition to 1.5% cashback on non-bonus spends.
Redeem cash back with Ink Business Unlimited vs. Chase Freedom Unlimited
Your rewards earned through both of these Chase cards can be redeemed for cash, gift cardtravel or purchase goods and services offered through Chase’s rewards program. If you choose exchange for cashyou can get your money in form credit reportin the form of a check sent by mail or through electronic deposit.
None of those options are as lucrative Convert your cash back to chase points (more on that in the next section), but they will get the job done. If you want to keep things simple, I recommend redeeming your rewards for cash over the other options available.
Winner: Tie. These cards offer the same redemption options.
Transfer cash back with Ink Business Unlimited vs. Chase Freedom Unlimited
Via transfer your earned rewards from either of these cards to personal business cards or official Ultimate Rewards business cards such as Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card or Reserve Chase Sapphire®you can increase your utilization rate to a real return of at least 3%, based on TPG’s October 2024 valuation.
Once the points are transferred to the Ultimate Rewards accountYou might be like the TPG credit card editor Emily Thompson and redeem them with valuable airline and hotel partners.
Or, you can book travel directly through Chase Travel for a flat value per point (1.5 cents with Chase Sapphire Reserve or 1.25 cents with Chase Sapphire Preferred or Ink Business Preferred).
If you’re willing to take the extra steps and have the right card available, I recommend transferring your Freedom Unlimited or Ink Business Unlimited rewards to a Ultimate reward-money account.
Winner: Tie. The options here are also identical.
Should I buy Ink Business Unlimited or Chase Freedom Unlimited?
In general, the Unlimited freedom is a better choice for most people due to its better income structure and great benefits. However, if you are looking for a beginner business card, I recommend you consider Ink Business Unlimited. Getting a flat 1.5% cashback on all purchases (except Lyft until 2025) is still a sure thing.
Bottom line
We recommend having a card in your wallet that you can use to earn bonus rewards for everyday spending that don’t fall under specific bonus categories. Both of these cards meet that criteria.
If you already have a Chase Ultimate Rewards credit card, pairing them with Freedom Unlimited or Ink Business Unlimited is a great way to Take advantage of the rewards you will earn. Both beginners and experts can use either of these cards to maximize value.
To learn more, read our full reviews Unlimited business ink And Pursue unlimited freedom.
Register here: Unlimited business ink
Register here: Pursue unlimited freedom
Related: Chase Freedom Flex vs Chase Freedom Unlimited Comparison
