Ink Business Unlimited® Credit vs. Chase Freedom Rise

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Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card Chase Freedom Rise<sup>℠</sup> Chase Freedom Rise
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
8.9
Regular APR
9.3
Rewards
8.4
Benefits
8.7
Welcome Bonus
9.5
Recommended Credit Score: 9
Foreign Transaction Fee: 8.9
Cash Advance Fee: 8.6
Balance Transfer Fee: 7.9
8.3MyCreditCardLab Score

MyCreditCardLab Score 8.3

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
5.1
Regular APR
8.4
Rewards
8.3
Benefits
7.9
Welcome Bonus
8.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.8
Cash Advance Fee: 8.5
Balance Transfer Fee: 8.2
ANNUAL FEE
$0 $0
INTRO APR
0% intro APR on Purchases for first 12 months None
REGULAR APR
18.49% - 24.49% Variable APR 26.74% Variable APR
PROS
  • Unlimited 1.5% cash back rewards on purchases
  • No membership fees
  • $750 initial rewards bonus
  • 0% Intro APR on purchases for 12 months
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • Earns rewards
  • Does not require security deposit
  • Autopay bonus
CONS
  • 3% Foreign fee
  • No intro APR on balance transfers
  • No bonus categories
  • No bonus categories
  • High APR
  • Foreign fee
WELCOME BONUS
$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
REWARDS
Ink Business Unlimited® Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • You can redeem rewards for cash back, gift cards, and travel. You can also redeem them for more through Chase Ultimate Rewards®.
  • Unlimited 1.5 percent cash back on all purchases
  • With Zero Liability, you won’t be held responsible for unauthorized charges. They are made with your card or account information.
  • Get rewards faster with employee cards. They cost nothing extra. Set individual spending limits for greater control.
Chase Freedom Rise Rewards program boasts exceptional flexibility in credit currency. Redeem your earnings through a multitude of options, including:
  • Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card.
  • Score a $25 statement credit when you sign up for autopay within 3 months of opening your account (terms apply).
  • No annual fee or minimum redemption requirements, it's a hassle-free way to earn rewards.
BENEFITS
No-cost employee credit cards - You won't pay an extra fee for issuing an employee their business credit card. This can help you track and limit employees spending on the account. Rewards can be combined - Rewards can be combined. This works with another eligible Chase Ultimate Rewards card. The other card must belong to the company owner. You can pool your rewards between cards. This adds more ways to redeem them. Easy-to-understand rewards - Gift cards (1 cent per point). Travel booked through Chase Ultimate Rewards® (1 cent per point). Amazon purchases (0.8 cents per point). 0% interest for 12 months - The Chase Ink Business Unlimited card gives cash back rewards. It also has another great feature for business owners: a 0% APR on new purchases for 12 months. After that, the ongoing rate is 18.49% to 24.49%. If you are planning a large purchase for your business, this is a great chance to finance it at 0% for a year. You can use your sign-up bonus to help pay down the purchase. Building credit - Designed for those new to credit, with potential for credit line increase. It's best for students. Simple rewards - Flat 1.5% cash back on all purchases, no categories to remember. No annual fee - Keep your rewards without worrying about yearly charges. Free credit monitoring - Track your progress and learn credit-building tips. $25 bonus - Get a statement credit for setting up autopay within 3 months.
CASH ADVANCE FEE / APR
29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
18.49% - 24.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 580 (Fair - Poor)
FOREIGN TRANSACTION FEE
3% 3%
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Large Welcome Bonus
  • Students
  • Bad Credit
  • Everyday Spending
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