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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited Chase Ink Business Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom UnlimitedBigger welcome offer: Chase Ink Business Preferred

Chase

Freedom Unlimited

Annual fee
$0
Network
visa
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards
  • 3×Drugstores · Chase Ultimate Rewards

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Freedom's Cashback Moments · $0
  • Zero Liability Protection · $0
  • Travel and Emergency Assistance · $0
Full Chase Freedom Unlimited review

Chase

Ink Business Preferred

Annual fee
$95
Network
visa
Welcome value
$1,000
Min spend
$8,000 / 3mo

Top earning rates

  • 3×Travel · Chase Ultimate Rewards
  • 3×Shipping · Chase Ultimate Rewards
  • 3×Internet, cable, and phone services · Chase Ultimate Rewards
  • 3×Advertising · Chase Ultimate Rewards

Key benefits

  • Monthly DoorDash non-restaurant discount · $10
  • Travel and emergency assistance · $0
  • No foreign transaction fees · $0
  • Employee cards at no additional cost · $0
  • Zero liability protection · $0
Full Chase Ink Business Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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