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Chase Freedom Unlimited vs Ink Business Preferred

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Freedom Unlimited 1.5% 1.5% base rate
  2. Ink Business Preferred 1.5% 1x base rate

Dining

  1. Freedom Unlimited 3.0% 3%
  2. Ink Business Preferred 1.5% 1x base rate

Travel

  1. Freedom Unlimited · Chase Travel 5.0% 5%
  2. Freedom Unlimited 1.5% 1.5% base rate
  3. Ink Business Preferred 1.5% 1x base rate

Drugstores

  1. Freedom Unlimited 3.0% 3%
  2. Ink Business Preferred 1.5% 1x base rate

Phone & internet

  1. Ink Business Preferred 4.5% 3x
  2. Freedom Unlimited 1.5% 1.5% base rate

Shipping

  1. Ink Business Preferred 4.5% 3x
  2. Freedom Unlimited 1.5% 1.5% base rate

Advertising

  1. Ink Business Preferred 4.5% 3x
  2. Freedom Unlimited 1.5% 1.5% base rate

Flights

  1. Freedom Unlimited · Chase Travel 5.0% 5%
  2. Ink Business Preferred 4.5% 3x
  3. Freedom Unlimited 1.5% 1.5% base rate

Hotels

  1. Freedom Unlimited · Chase Travel 5.0% 5%
  2. Ink Business Preferred 4.5% 3x
  3. Freedom Unlimited 1.5% 1.5% base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Unlimited $0 and Ink Business Preferred $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Freedom Unlimited takes dining, travel, drugstores and flights, plus 1 more; Ink Business Preferred takes phone & internet, shipping and advertising.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Unlimited1.5%
DiningFreedom Unlimited3.0%
TravelFreedom Unlimited · Chase Travel5.0%
DrugstoresFreedom Unlimited3.0%
Phone & internetInk Business Preferred4.5%
ShippingInk Business Preferred4.5%
AdvertisingInk Business Preferred4.5%
FlightsFreedom Unlimited · Chase Travel5.0%
HotelsFreedom Unlimited · Chase Travel5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Freedom Unlimited — 1.5%
  2. Ink Business Preferred — 1.5%

Dining

  1. Freedom Unlimited — 3.0%
  2. Ink Business Preferred — 1.5%

Travel

  1. Freedom Unlimited · Chase Travel — 5.0%
  2. Freedom Unlimited — 1.5%
  3. Ink Business Preferred — 1.5%

Drugstores

  1. Freedom Unlimited — 3.0%
  2. Ink Business Preferred — 1.5%

Phone & internet

  1. Ink Business Preferred — 4.5%
  2. Freedom Unlimited — 1.5%

Shipping

  1. Ink Business Preferred — 4.5%
  2. Freedom Unlimited — 1.5%

Advertising

  1. Ink Business Preferred — 4.5%
  2. Freedom Unlimited — 1.5%

Flights

  1. Freedom Unlimited · Chase Travel — 5.0%
  2. Ink Business Preferred — 4.5%
  3. Freedom Unlimited — 1.5%

Hotels

  1. Freedom Unlimited · Chase Travel — 5.0%
  2. Ink Business Preferred — 4.5%
  3. Freedom Unlimited — 1.5%

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