Chase Ink Preferred vs Chase Ink Unlimited Calculator

Calculate total Ultimate Rewards Points and cash based on your spend across the Chase Ink Preferred and Ink Unlimited cards. Compare results side by side.


The Chase Ink Preferred is a very powerful business card that earns a high return across travel and several top business categories while the Chase Ink Unlimited is a flat rate 1.5% cash back card. This page breaks down the benefits of both cards side by side and provides a calculator that will help you calculate the cash value both cards based on your spend.

Bonus Categories

The Chase Ink Preferred Card features six bonus categories which are travel, shipping, internet, cable, phone, and advertising. All six categories share a combined cap of $150,000 per calendar year. After you reach that cap, you'll earn at the non-category rate for the remainder of the calendar year. There's no limit to the amount of Ultimate Rewards Point you can earn overall with the card.

The Chase Ink Unlimited Card earns unlimited cash back at a flat rate on all purchases.

As part of the Chase-Lyft Partnership, both credit cards also earn rewards when spending with the rideshare service Lyft. There's no cap on rewards for spending with Lyft.

Chase Ink Preferred

  • 5x Lyft
    • All Chase cash back and Ultimate Rewards credit cards feature Lyft as a bonus category.
    • Part of the Chase-Lyft partnership which lasts until March 2022.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 3x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
    • Part of the $150,000 combined cap between the other non-Lyft categories.
  • 3x Shipping
    • Chase considers shipping as merchants that specialize in mailing packages, hauling freight, and transporting goods or documents such as:
      • Couriers such as FedEx, UPS, and USPS
      • Postal and Freight Shipping Companies
      • Express Shipping Services
      • Mailbox Stores
  • 3x Internet
  • 3x Cable Services
    • Includes satellite television.
  • 3x Phone Services
    • Includes:
      • Radio
      • Cellular
      • Wireless Data
      • Landline Services
  • 3x Advertising
    • Applies to social media and search engine advertising such as:
      • Facebook
      • Twitter
      • Google Ads (formerly AdWords)
      • Microsoft Bing Ads
  • 1x Non-Category

Chase Ink Unlimited

  • 5% Lyft
    • All Chase cash back and Ultimate Rewards credit cards feature Lyft as a bonus category.
    • Part of the Chase-Lyft partnership which lasts until March 2022.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 1.5% All Purchases

Perks & Benefits

The Chase Ink Business Preferred offers a 25% boost to point value when redeemed on the Chase Travel Portal meaning you'll easily be able to redeem your points for 1.25 cents each. If you plan on transferring your points to Chase's airline and hotel partners, this perk will not benefit you. The Ink Preferred also offers Chase's standard travel and purchase coverage.

The Chase Ink Unlimited does not have any benefits that are specific to the card itself. It comes with your standard suite of Chase credit card benefits.

Chase Ink Preferred

Chase Ink Unlimited

Sign Up Bonus (SUB)

The Ink Preferred Card comes with a standard signup bonus of 80,000 Ultimate Rewards Points after spending $5,000 on purchases in the first 3 months after account opening. This is the highest standard bonus offered on any Chase credit card and is worth $1,000 when redeemed on the Chase Travel Portal or $1,200 if you have the Chase Sapphire Reserve. You can also transfer these points to Chase's airline and hotel partners which will give you 80,000 miles/points which can be worth a lot more than $1,000 depending on the redemption.

The Ink Unlimited Card comes with a standard sign up bonus of $500 after you spend $3,000 on purchases in the first 3 months after account opening. This is a significantly higher sign up bonus than the $150-$200 offered on the Chase Freedom Unlimited which is the personal/consumer version of the Ink Unlimited. If you have an Ultimate Rewards Credit Card (such as the Sapphire Reserve, Sapphire Preferred, or Ink Preferred) this $500 bonus will be equal to 50,000 Ultimate Rewards Points which is then worth $625 to $700 depending on which card you have. This can also be transferred to Chase's partners for 50,000 airline miles or hotel points.

Ink Preferred Sign Up Bonus
Bonus 80,000
Spend Requirement
Within First 3 Months
$5,000
Est. Value $800-$1,000+
Ink Unlimited Sign Up Bonus
Bonus $500 or 50,000 Points
Spend Requirement
Within First 3 Months
$3,000
Est. Value $500 or $625-$750+ if redeemed as points

Fees

The Ink Preferred Card has an annual fee of $95 per year. For the return this card is capable of, this is a pretty withstand-able fee. Depending on how much you value Ultimate Rewards Points, you can break even with the following spend on the 3x categories:

  • 1 Cent - $3,167 Per Year / $264 Per Month
  • 1.25 Cents - $2,533 Per Year / $212 Per Month
  • 1.5 Cents - $2,112 Per Year / $176 Per Month
  • 2 Cents - $1,583 Per Year / $132 Per Month

The Ink Preferred does not charge a fee to add employee cards. I would highly recommend adding additional cardholders to help close the gap on the $150,000 spend limit of the 3x categories. It also has a 0% foreign transaction fee which makes this card a solid option for international spend and travel.

The Ink Unlimited does not have an annual fee which means you will always be earning at least a 1.5% return on your spend. Combining this card with an Ultimate Rewards Card will give you even more value which I highly recommend doing if you plan on earning rewards with Chase and plan on using them for travel.

The Ink Unlimited charges a whopping $0 per employee card so you can add as many employees (or friends/family) that you want in order to earn cash back (or points) even faster.

Unfortunately, the Ink Unlimited has a 3% foreign transaction fee. This means you'll be charged 3% for every $1 of international spend you run on the card. Since the card only earns 1.5 cash back, you'll be eating away at your rewards in double time. I do not recommend using this card outside of the United States.

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Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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