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Ink Business Preferred vs Ink Business Unlimited
Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.
Economics
Annual fee
$95
$0
$95/yr less
Ongoing annual value
$200
$321
$121/yr more
Net value (value − fee)
$105
$321
$216/yr more
First-year value estimate
$1,277
$1,432
$155/yr more
Foreign transaction fee
None
3%
Authorized user fee
—
—
Sign-up Bonus
Current offer
100K after $8K spend in the first 3 months
$1K (*awarded as 100,000 points) after $8k spend in the first 4 months
Earning
Cable (up to $150K per year)
3X4.5%
—
Internet (up to $150K per year)
3X4.5%
—
Phone services (up to $150K per year)
3X4.5%
—
Shipping (up to $150K per year)
3X4.5%
—
Social media and search engine advertising (up to $150K per year)
3X4.5%
—
Travel (up to $150K per year)
3X4.5%
—
All other purchases
1X1.5%
1.5X2.2%
Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Benefits
- Instacart: $20 (Monthly)
Statement credits
—
Lounge access
—
—
Elite status
—
—
Protections
9
6
The same on both cards (5)
Issuer
Chase
Chase
Rewards currency
Chase Ultimate Rewards
Chase Ultimate Rewards
Card type
Business
Business
Network
Visa
Visa
Lyft (through 9/30/2027)
5X7.5%
5X7.5%
Which one is right for you
This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.
Ask Miles which to getNo ads, no paid placement · Your wallet, your math