Ink Business Unlimited vs. Chase Freedom Unlimited: Business or personal — which cash-back card wins?

Ink Business Unlimited vs. Chase Freedom Unlimited: Business or personal — which cash-back card wins?

Source: The Points Guy

Summary

The Chase Freedom Unlimited and Ink Business Unlimited are two popular cash-back credit cards with no annual fees. The Freedom Unlimited offers a $250 bonus after spending $500 in the first three months, while the Ink Business Unlimited offers a $750 bonus after spending $6,000 in the first three months. Both cards earn 1.5% cash back on all purchases, but the Freedom Unlimited has additional bonus categories, including 5% back on travel booked through Chase Travel, 3% back on dining and 3% back at drugstores. The Ink Business Unlimited, on the other hand, offers 5% back on Lyft rides through September 2027. The cards have different benefits, with the Freedom Unlimited offering trip cancellation and interruption insurance, and the Ink Business Unlimited offering primary car rental insurance.


Our Reading

The escape is carefully planned. The Freedom Unlimited and Ink Business Unlimited offer a break from annual fees, but with different bonus categories and benefits. The Freedom Unlimited provides a $250 bonus and 5% back on travel booked through Chase Travel, while the Ink Business Unlimited offers a $750 bonus and 5% back on Lyft rides. Both cards earn 1.5% cash back on all purchases. The Freedom Unlimited is a better choice for those who want more bonus categories, while the Ink Business Unlimited is better for business owners who want to earn 1.5% back on everyday spending.

Authenticity is scheduled by time slot, with the Freedom Unlimited offering trip cancellation and interruption insurance, and the Ink Business Unlimited offering primary car rental insurance.

Relaxation requires planning, with both cards offering cash-back rewards that can be redeemed for travel, goods, and services.

Escape needs Wi-Fi, with both cards offering online account management and mobile banking.

The trip is a highly valuable welcome bonus, but only if you can meet the spending requirement.