Chase offers a full line of rewards credit cardsincluding the consumer Sapphire and Freedom card families and the ink business family for business owners. However, there is some overlap in the income structures and benefits these cards offer.
An example is the Chase Unlimited Freedom® and Ink Business Unlimited® Credit Card. Both offer a minimum of 1.5% cash back on all spending, making them great no-annual-fee cards for everyday spending that doesn’t fall into other bonus categories.
If you are considering these two cards, make sure you are under Chase’s 24/5 Rule and that you are eligible for a business card.
Let’s take a deeper look at each card offer to see which one is most valuable.
Comparison between Ink Business Unlimited and Chase Freedom Unlimited
| Card | Pursue unlimited freedom | Unlimited ink business |
|---|---|---|
| welcome offer | Earn an additional 1.5% cash back on everything you purchase (up to $20,000 spent in the first year), worth up to $300 cash back. | Earn $900 cash back after you spend $6,000 on purchases in the first three months of account opening. |
| Annual fee | $0 | $0 |
| Reward Rate |
|
|
| Foreign transaction fee | 3% | 3% |
| Other benefits |
|
|
Ink Business Unlimited Welcome Bonus vs. Chase Freedom Unlimited
Currently new Unlimited ink business Cardholders can earn $900 cash back after spending $6,000 on purchases in the first three months of account opening.
Meanwhile, new Unlimited freedom Cardholders can earn an additional 1.5% cash back on everything they purchase (up to $20,000 spent in the first year), worth up to $300 cash back.
Winner: Unlimited ink business. Your welcome offer is more valuable.
Related: Best Time to Apply for These Popular Chase Credit Cards Based on Offer History
Benefits of Ink Business Unlimited vs. Chase Freedom Unlimited
He unlimited ink business, As expected, it doesn’t offer as many benefits as other cards with higher annual fees. In particular, you will not benefit from mobile phone protection or trip cancellation/interruption insurance.
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However, you will receive purchase protection, a collision damage waiver on car rentals, a one-year warranty extension on select purchases, and employee cards at no additional cost.
He Unlimited freedom offers some solid benefits like rental car protection, trip cancellation and interruption insuranceroad dispatch, extended warranty protection and purchase protection. If you don’t have another card with more robust benefits, Freedom Unlimited offers decent coverage for a card with no annual fee.
Winner: Unlimited freedom. Since Freedom Unlimited offers trip cancellation and interruption insurance, it beats Ink Business Unlimited.
Earn cash back with Ink Business Unlimited vs. Chase Freedom Unlimited
He Unlimited ink business offers 5% cashback Lyft Rides until March 2025 and a simple 1.5% cash back all other purchases no rotating or bonus categories.
He Unlimited freedom offers 5% cashback travel booked through Chase Travel, 3% cashback meal (including eligible takeout and delivery services), 3% back at drugstores and 1.5% back on all other purchases.
Winner: Unlimited freedom. Its earning rates are higher as it has bonus categories in addition to offering 1.5% cashback on non-bonus spending.
Redeem cash back with Ink Business Unlimited vs. Chase Freedom Unlimited
Rewards earned through these two Chase cards can be redeemed for cash back. gift cardstravel or goods and services offered through the Chase rewards program. If you choose redeem for cash backyou can get your money like statement creditas a check sent by mail or by electronic deposit.
None of those options are as lucrative as converting your refund into cash to Chase points (more on this 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 back instead of the other options available.
Winner: Tie. These cards offer the same redemption options.
Transfer cash back with Ink Business Unlimited vs. Chase Freedom Unlimited
By transferring your earned rewards from any of these cards to a full Ultimate Rewards personal or business card like the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card either Chase Sapphire Reserve®can increase its reimbursement rate to an effective yield of at least 3%, according to TPG’s October 2024 report. ratings.
Once the points are transferred to an Ultimate Rewards accountyou can be like TPG credit card editor Emily Thompson and redeem them with valued airline and hotel partners.
Or you can book travel directly through Chase Travel at a fixed 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 on hand, I recommend transferring your Freedom Unlimited or Ink Business Unlimited rewards to a Ultimate Rewards-profit account.
Winner: Tie. The options here are also identical.
Should I get Ink Business Unlimited or Chase Freedom Unlimited?
In general terms, the Unlimited freedom It is the best option for most due to its better earning structure and great benefits. However, if you are looking for a starter business card, I recommend considering Ink Business Unlimited. Receiving a flat 1.5% cash back on all purchases (except Lyft through 2025) is still solid.
In a nutshell
We recommend having a card in your wallet that you can use to earn bonus rewards for everyday spending that doesn’t fall into a specific bonus category. Both cards meet that criteria.
If you already have Chase Ultimate Rewards credit cards, combining them with Freedom Unlimited or Ink Business Unlimited is a great way to take advantage of the rewards you will earn. Beginners and experts alike can use any of these cards to maximize value.
For more information, read our full reviews of the Unlimited ink business and Pursue unlimited freedom.
Apply here: Unlimited ink business
Apply here: Pursue unlimited freedom
Related: Comparison of Chase Freedom Flex and Chase Freedom Unlimited
