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Chase Ink Business Unlimited vs Chase Ink Business Preferred

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Ink Business Unlimited leads by 6.9 pts. Scores: Chase Ink Business Unlimited 80.0%, Chase Ink Business Preferred 73.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Ink Business Unlimited nets $346/yr, Chase Ink Business Preferred nets $207/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeUnlimited: 10.0 · Preferred: 8.0
Rewards rateUnlimited: 6.0 · Preferred: 5.0
Sign-up bonusUnlimited: 10 · Preferred: 10
Intro 0% APRUnlimited: 5.7 · Preferred: 0.0
Regular APRUnlimited: 9.3 · Preferred: 8.2
Foreign transaction feeUnlimited: n/a · Preferred: 10.0
Regulatory record (CFPB)Unlimited: 10.0 · Preferred: 10.0

Chase Ink Business Unlimited

IssuerChase
Typebusiness
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR16.99%–24.99% variable creditcards.chase.com, 2026-10-12
Rewards1.5% base creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)$750 $750 cash back (see issuer for spend requirement) creditcards.chase.com, 2026-10-12
Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
Foreign transaction feenot found creditcards.chase.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found creditcards.chase.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Chase Ink Business Preferred

IssuerChase
Typebusiness
Annual fee$95 creditcards.chase.com, 2026-10-12
Regular purchase APR17.99%–26.99% variable creditcards.chase.com, 2026-10-12
Rewards1% base; 3% travel (to $150,000/yr); 3% utilities (to $150,000/yr) creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)$1,000 100,000 bonus points (valued at 1¢) creditcards.chase.com, 2026-10-12
Intro APRnone No intro APR shown creditcards.chase.com, 2026-10-12
Foreign transaction feenone creditcards.chase.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found creditcards.chase.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Downsides

Chase Ink Business Unlimited80.0%
Chase · business
Annual fee $0APR 16.99%–24.99% variableRewards 1.5% baseCredit not found
Chase Ink Business Preferred73.1%
Chase · business
Annual fee $95APR 17.99%–26.99% variableRewards 1% base; 3% travel (to $150,000/yr); 3% utilities (to $150,000/yr)Credit not found
⚠ $95 annual fee · 3x on travel, shipping, internet/cable/phone, ads (combined $150k/yr).

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Chase Ink Business Unlimited or Chase Ink Business Preferred?

On VaultRubric's rubric: Chase Ink Business Unlimited scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.