Head to head 
Chase Freedom Flex vs. Ink Business Unlimited Credit Card
On the criteria below, Ink Business Unlimited Credit Card wins 1 of 3. The verdict depends on which criteria matter to you.
Chase Freedom Flex
Chase
Ink Business Unlimited Credit Card
Chase
At a glance
Ink Business Unlimited Credit Card wins 1 of 3 criteria here, making it the stronger all-rounder.
Ink Business Unlimited Credit Card leads on first-year math, while Chase Freedom Flex only ties the rest.
Pick the Ink Business Unlimited Credit Card if year-one math is your priority.
Who wins what
0 vs 1 (2 tie)- First-year math Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $750
- First-year net
- +$200
- +$750
- Peak earning rate
- 5×
- 5×
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- Lyft
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Chase Ultimate Rewards
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.