Chase Ink Business Preferred vs Chase Ink Business Unlimited: which one fits your business?
Side-by-side comparison of Chase Ink Business Preferred and Chase Ink Business Unlimited — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Unlimited wins on our scorecard (8.5/10 vs 7.3/10).
| Scored on | Chase Ink Business Preferred | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 9 |
| Fees & pricing | 7 | 10 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $95 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Employee Cards | $0 | — |
| Purchase APR | 21.24% - 26.24% (Variable) | — |
| Introductory APR | — | 0% for 12 months |
| Late Payment Fee | — | $40 |
Chase Ink Business Preferred in one paragraph
The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Skip it if: Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
Chase Ink Business Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Frequently asked questions
Which is better, Chase Ink Business Preferred or Chase Ink Business Unlimited?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7.3/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Who should skip Chase Ink Business Preferred?
Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
Who should skip Chase Ink Business Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.