Home / Cards / Card comparisons / Ink Business Preferred vs. Ink Business Unlimited

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• Chase · Visa · Business

  Ink Business Preferred® Credit Card

  Business

  High points earn on travel, shipping, advertising, telecom and internet; transferable Ultimate Rewards.

  Annual fee

  $1–$99

  Credit typically targeted

  Good, Excellent

  Foreign transaction fee

  None

  Rewards

  Transferable points / miles

  Details for Ink Business Preferred® Credit Card View on issuer site for Ink Business Preferred® Credit Card (opens in a new tab)
• Chase · Visa · Business

  Ink Business Unlimited® Credit Card

  Business

  Unlimited flat cash back of about 1.5% on business purchases.

  Annual fee

  $0

  Credit typically targeted

  Good, Excellent

  Foreign transaction fee

  Yes

  Rewards

  Cash back

  Details for Ink Business Unlimited® Credit Card View on issuer site for Ink Business Unlimited® Credit Card (opens in a new tab)

Side by side

Comparison of Ink Business Preferred Credit Card and Ink Business Unlimited Credit Card

	Ink Business Preferred® Credit Card	Ink Business Unlimited® Credit Card
Issuer	Chase	Chase
Network	Visa	Visa
Card type	Business	Business
Card for	Business	Business
Annual fee band	$1–$99	$0
Welcome offer	Check issuer	Check issuer
APR and any intro APR	Check issuer	Check issuer
Credit typically targeted	Good, Excellent	Good, Excellent
Rewards type	Transferable points / miles	Cash back
How it earns	High points earn on travel, shipping, advertising, telecom and internet; transferable Ultimate Rewards.	Unlimited flat cash back of about 1.5% on business purchases.
Foreign transaction fee	None	Yes
Bonus category caps	Yes	No
Features	Business categories, Travel, Transferable points	Flat rate
Pros	Transferable points from business spending Covers ads and shipping No foreign transaction fee	Simple flat earn No annual fee
Cons	Annual fee Best value takes redemption learning	Lower flat rate No bonus categories
Watch out for	Personal guarantee is standard. Annual fee; bonus categories have yearly caps.	Personal guarantee is standard. Transferring points needs a Sapphire or Ink Preferred.
Last reviewed	October 2, 2026	October 2, 2026
Links	Details View on issuer site	Details View on issuer site

Who should pick which

By the Credit Cards for Rewards editorial team · How we evaluate cards

Ink Business Preferred charges a fee in the $1–$99 band for transferable Ultimate Rewards on travel, shipping, advertising, telecom and internet, with yearly caps on those bonus categories. Ink Business Unlimited has no annual fee and pays about 1.5% cash back on everything.

Pick the Ink Business Preferred if…

• Your business spends heavily on ads, shipping, travel or telecom.
• You want points that transfer, and you'll take time to learn redemptions.
• Staff travel abroad; this card has no foreign transaction fee.

Pick the Ink Business Unlimited if…

• You'd rather not pay an annual fee.
• Purchases are spread out and you want flat earn with no categories.
• Simple cash back suits you; moving points from this card to travel partners needs a Sapphire or the Ink Preferred.

Bottom line

Both list a personal guarantee as standard. Pay the Preferred's fee only if its bonus categories match real spending; otherwise the Unlimited is less to manage. Current earn rates: check the issuer.

More comparisons

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