Chase Rewards Calculator: Ink Preferred vs Ink Unlimited

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

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

Rewards 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.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
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Updated 2020-07-21 By Robert Flowers III

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