In case you’re wanting into Chase’s lineup of bank cards, it’s possible you’ll be testing two of the issuer’s prime cash-back choices: the Chase Freedom Unlimited® (see rates and fees) and Ink Business Unlimited® Credit Card (see rates and fees).
These two playing cards share related names and earn the identical sort of rewards, however there are lots of key variations to weigh. For one, the Freedom Limitless is a private bank card, whereas the Ink Enterprise Limitless is a enterprise product.
So, for those who’re contemplating each playing cards, you will wish to make sure that you are eligible for a business card first. You may additionally wish to be below Chase’s 5/24 rule to be accredited.
Now, let’s dive into these two playing cards and see which one is best for you.
Ink Enterprise Limitless vs. Freedom Limitless comparability
| Card | Ink Enterprise Limitless | Chase Freedom Limitless |
|---|---|---|
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Earn $750 bonus money again after spending $6,000 on purchases inside the first three months from account opening. |
Earn a $250 bonus after spending $500 on purchases inside the first three months from account opening. |
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$0 |
$0 |
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3% |
3% |
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Ink Enterprise Limitless vs. Freedom Limitless welcome bonus
The Ink Business Unlimited offers a priceless welcome bonus to new cardholders. With this card, you possibly can earn $750 bonus money again after spending $6,000 on purchases inside the first three months from account opening.
It is a stable supply, particularly for a no-annual-fee card.
In the meantime, new Freedom Unlimited cardholders can earn a $250 bonus after spending $500 on purchases inside the first three months from account opening. This bonus is without doubt one of the easiest to earn, because it requires a low minimal spending requirement.
Each welcome bonuses might be converted into Chase Ultimate Rewards points you probably have the appropriate card. I will get into extra about that later on this showdown.
Winner: Ink Enterprise Limitless. Its welcome supply is extra priceless, although it does include a a lot increased minimal spending requirement than the Freedom Limitless.
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Associated: The best time to apply for these popular Chase credit cards based on offer history
Ink Enterprise Limitless vs. Freedom Limitless advantages
Since each the Ink Business Unlimited and the Freedom Unlimited cost no annual charge, neither card has a protracted checklist of extra advantages.
In truth, many of those playing cards’ perks are shared. This contains:
Nonetheless, there are some variations that might enable you select one card over the opposite.
To begin with, the Freedom Limitless does present an additional perk that the Ink Enterprise Limitless doesn’t: journey cancellation and interruption insurance coverage. This profit, which reimburses as much as $1,500 per coated traveler and $6,000 per journey, covers journey bills in case your journey is canceled or reduce quick on account of coated conditions, comparable to illness or extreme climate.
I’ve had success using Chase’s trip cancellation and interruption insurance after I needed to cancel a resort keep after catching the flu.
Nevertheless, the Ink Enterprise Limitless offers primary car rental insurance, which usually reimburses you for the rental automotive’s money worth or the fee to restore it (whichever is much less) with the necessity to file just one declare.
The rental automotive protection included with the Freedom Limitless is secondary insurance, which implies it kicks in second after different insurance coverage and usually reimburses you for the quantity not coated by your preliminary declare. For cardholders who incessantly hire automobiles, it’s possible you’ll wish to go for the Ink Enterprise Limitless.
The Ink Enterprise Limitless additionally offers a complimentary three-month Instacart+ membership (auto-renews at $99 a yr after the complimentary interval). As soon as this membership is activated, Instacart+ members obtain a $20 Instacart credit score every month (routinely loaded into your Instacart Enterprise Account). This profit ends Dec. 31, 2027.
In the meantime, the Freedom Limitless offers six months of a complimentary DashPass membership (for each DoorDash and Caviar; auto-renews on the present month-to-month fee after the complimentary interval). Activate by Dec. 31, 2027. DashPass members additionally obtain as much as $10 off every quarter on non-restaurant DoorDash orders by Dec. 31, 2027.
The Freedom Limitless’s complimentary DashPass profit lasts three months longer than the Ink Enterprise Limitless’s Instacart+ membership. However for those who favor Instacart+ to DashPass, that could be the higher alternative for you. It comes right down to desire.
Winner: Freedom Limitless. That is shut, however for the reason that Freedom Limitless offers journey cancellation and interruption insurance coverage, it pulls forward of the Ink Enterprise Limitless.
Associated: Why you might want to get a premium credit card instead of purchasing travel insurance
Incomes money again with the Ink Enterprise Limitless vs. Freedom Limitless
Each the Ink Business Unlimited and the Freedom Unlimited share an elevated cash-back fee on nonbonus spending at 1.5% again.
The Ink Enterprise Limitless affords only one extra bonus class: 5% again on Lyft rides by Sept. 30, 2027.
In the meantime, the Freedom Limitless boasts three bonus classes: 5% again on travel booked by Chase Journey, 3% again on dining (together with takeout and eligible supply companies), 3% again at drugstores and a pair of% again on Lyft rides (by Sept. 30, 2027).
TPG bank cards editor Olivia Mittak makes use of her Freedom Limitless for any purchases that fall out of her playing cards’ bonus classes when she is not working towards a welcome bonus. She strives to earn greater than 1 level per greenback spent or 1% again on as many purchases as potential, and the Freedom Limitless goes a good distance towards serving to her obtain that.
The Freeeom Limitless offers many extra bonus classes than the Ink Enterprise Limitless, so for those who’ll be spending typically on Chase Journey bookings, eating or drugstores, that might push it forward.
Nevertheless, for those who’re placing a whole lot of spend on Lyft, the Ink Enterprise Limitless wins over the Freedom Limitless, because it earns 5% again as a substitute of two% again on rides (by Sept. 30, 2027). Since they share a 1.5% cash-back fee on all nonbonus spending, these are the most important differentiators.
Winner: Freedom Limitless. The cardboard offers extra elevated bonus classes than the Ink Enterprise Limitless.
Associated: The unique bonus categories built for businesses (and the cards that offer them)
Redeeming money again with the Ink Enterprise Limitless vs. Freedom Limitless
The rewards you earn with both the Ink Business Unlimited or the Freedom Unlimited might be redeemed for money again, items and companies provided by Chase’s rewards program, present playing cards and journey.
Money-back redemptions might be obtained as a statement credit, a mailed examine or an digital deposit.
If you wish to maintain issues easy, it is advisable to redeem for money again slightly than use the opposite flat-rate choices.
Nevertheless, you will get rather more worth for those who convert your cash back to Chase Final Rewards factors.
Winner: Tie. These playing cards supply the identical redemption choices.
Associated: The pros and cons of cash-back credit cards
Transferring money again with the Ink Enterprise Limitless vs. Freedom Limitless
You possibly can unlock rather more worth out of the rewards earned with the Ink Business Unlimited and the Freedom Unlimited by transferring them from both card to a full-fledged Final Rewards private or enterprise card.
Examples embrace the Chase Sapphire Preferred® Card (see rates and fees), Chase Sapphire Reserve® (see rates and fees) and Ink Business Preferred® Credit Card (see rates and fees).
In case you go this route, you possibly can increase your redemption fee on on a regular basis spending to an efficient return of not less than 3%, per TPG’s April 2026 valuations.
When you switch your rewards to an Final Rewards account, you possibly can switch them to certainly one of Chase’s priceless airline and hotel partners. Olivia sends her Freedom Limitless rewards to her Sapphire Most well-liked account so she will then switch them to certainly one of her favourite loyalty packages, World of Hyatt.
You possibly can additionally select to ebook immediately by Chase Journey at a hard and fast worth per level, relying on the cardboard you maintain (see your card’s information to advantages for full particulars).
Winner: Tie. The choices listed here are additionally equivalent.
Associated: 10 best ways to redeem 200,000 Chase Ultimate Rewards points
Ought to I get the Ink Enterprise Limitless or Freedom Limitless?
I see the private Freedom Unlimited popping out on prime for many cardholders because it offers extra bonus classes and barely higher advantages than the Ink Business Unlimited.
Even nonetheless, I like to recommend the Ink Enterprise Limitless for business owners who wish to earn 1.5% again on their on a regular basis spending. This enterprise card offers a extremely priceless welcome bonus to those that can meet its spending requirement.
Associated: How to pick a strategy for your small-business credit cards
Backside line
Both of these playing cards generally is a stellar addition to your rewards card technique. It’s because each the Ink Enterprise Limitless and the Freedom Limitless earn not less than 1.5% again on all purchases, with no annual charge.
You are going to get probably the most worth out of those playing cards for those who pair them with an Final Rewards-earning card, since that unlocks the flexibility to transform your rewards into extremely priceless Chase factors.
To study extra, learn our full evaluations of the Ink Business Unlimited and Freedom Unlimited.
Apply right here: Ink Business Unlimited
Apply right here: Chase Freedom Unlimited
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