Choice Privileges® Mastercard® vs Ink Business Unlimited®
Side-by-side comparison
| Choice Privileges® Mastercard® | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 60,000 points | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 3% | 1.5% |
| Travel | 5% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $714 | $675 |
| Points type | Locked to Choice Privileges | 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 Choice Privileges® Mastercard® earns about $714 a year in rewards and the Ink Business Unlimited® about $675, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® 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 Choice Privileges® Mastercard® delivers more total value, about $39 a year more for a typical spender, mostly because it earns more where you spend most, on travel and phone & internet. The bigger difference is the ceiling: the Ink Business Unlimited® earns points you can move to travel partners for outsized value, while the Choice Privileges® Mastercard® stays locked to a single airline or hotel program. Favor the Ink Business Unlimited® if you will use travel transfers, the Choice Privileges® Mastercard® 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 Choice Privileges® Mastercard® if your spending leans toward phone & internet, travel. Pick the Ink Business Unlimited® if your spending leans toward advertising, shipping, office supplies.