Card comparison · Chase
Chase Ink Preferred vs Chase Ink Unlimited
The Chase Ink Preferred ($95 annual fee) ranks #36 and the Chase Ink Unlimited ($0) ranks #70 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Chase Ink Preferred | Chase Ink Unlimited | |
|---|---|---|
| Issuer | Chase | Chase |
| Annual fee | $95 | $0 |
| Welcome offer | Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening. |
| Rewards |
|
|
| Intro APR | — | purchases 12 months |
| Ongoing APR | — | 16.99%–24.99% |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | — |
| Our overall score | 62 (#36 of 294) | 57 (#70 of 294) |
| Business ranking | #9 of 92 | #30 of 92 |
| 0% intro APR ranking | not in this list | #35 of 46 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Chase Ink Preferred (62 vs 57). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Chase Ink Unlimited, by $95 a year ($95 vs $0). The pricier card has to earn at least $95 more in rewards or credits you actually use to come out ahead.
- Business: Chase Ink Preferred ranks higher in our business ranking (#9 vs #30 of 92).
- 0% intro APR: only Chase Ink Unlimited is in our 0% intro APR ranking (#35 of 46).
- 0% intro APR on purchases: Chase Ink Unlimited (12 months; Chase Ink Preferred has none in our data).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Chase Ink Preferred better than the Chase Ink Unlimited?
By our overall score the Chase Ink Preferred ranks higher (62 vs 57), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Chase Ink Preferred or Chase Ink Unlimited?
The Chase Ink Unlimited: $0 vs $95, as stored in our database.
What are the welcome offers on the Chase Ink Preferred and Chase Ink Unlimited?
Chase Ink Preferred: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. Chase Ink Unlimited: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Business: Chase Ink Preferred ranks higher in our business ranking (#9 vs #30 of 92). 0% intro APR: only Chase Ink Unlimited is in our 0% intro APR ranking (#35 of 46).