Ink Business Preferred Credit Card vs. Ink Business Unlimited Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Ink Business Preferred Credit Card
Chase
Ink Business Unlimited Credit Card
Chase
Ink Business Preferred Credit Card and Ink Business Unlimited Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Ink Business Preferred Credit Card wins on first-year math and foreign transactions; Ink Business Unlimited Credit Card wins on annual fee and earning ceiling.
Pick the Ink Business Preferred Credit Card if year-one math is your priority; take the Ink Business Unlimited Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Ink Business Preferred Credit Card
Ink Business Preferred Credit Card wins on bonus value minus annual fee.
- Annual fee Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card is $95 cheaper to keep.
- Earning ceiling Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card earns more on its best category (5× vs 3×).
- Foreign transactions Ink Business Preferred Credit Card
Ink Business Preferred Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,700
- $750
- First-year net
- +$1,605
- +$750
- Peak earning rate
- 3×
- 5×
- Top categories
- Shipping, Advertising Social Search, Internet Cable Phone
- Lyft
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 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.