Chase Freedom Unlimited® vs Ink Business Premier
Side-by-side comparison
| Chase Freedom Unlimited® | Ink Business Premier | |
|---|---|---|
| Annual fee | No annual fee | $195 |
| Welcome offer | $200 cash bonus | $1,000 cash back |
| Advertising | 1.5% | 2% |
| Shipping | 1.5% | 2% |
| Office supplies | 1.5% | 2% |
| Phone & internet | 1.5% | 2% |
| Travel | 1.5% | 2% |
| Everything else | 1.5% | 2% |
| Est. yearly rewards* | $711 | $900 |
| Points type | Pools with Chase → transferable | Cash back only |
| Network | Visa | 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 Chase Freedom Unlimited® earns about $711 a year in rewards and the Ink Business Premier about $900, valuing every point at a flat 1 cent. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. The Ink Business Premier charges $195, which you clear through its rewards and perks. The two are close on value, but the Chase Freedom Unlimited® edges ahead by about $6 a year, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Chase Freedom Unlimited® earns points you can move to travel partners for outsized value, while the Ink Business Premier pays plain cash back. Favor the Chase Freedom Unlimited® if you will use travel transfers, the Ink Business Premier if you want simplicity. On the sign-up bonus, the Ink Business Premier currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Premier if your spending leans toward advertising, shipping, office supplies.