Apple Card vs Ink Business Unlimited®
Side-by-side comparison
| Apple Card | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $900 | $675 |
| Points type | Cash back only | Pools with Chase → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Apple Card earns about $900 a year in rewards and the Ink Business Unlimited® about $675, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Apple Card delivers more total value, about $225 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Ink Business Unlimited® earns points you can move to travel partners for outsized value, while the Apple Card pays plain cash back. Favor the Ink Business Unlimited® if you will use travel transfers, the Apple Card if you want simplicity. On the sign-up bonus, the Ink Business Unlimited® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Apple Card if your spending leans toward advertising, shipping, office supplies.