Chase affords a full lineup of rewards bank cards, together with the Sapphire and Freedom card households for shoppers and the Ink Enterprise household for enterprise house owners. Nevertheless, there may be some overlap within the incomes constructions and advantages supplied by these playing cards.
One instance is the Chase Freedom Limitless® and Ink Enterprise Limitless® Credit score Card. Each provide a minimal of 1.5% money again on all spending, making them glorious no-annual-fee playing cards for on a regular basis bills that do not fall beneath different bonus classes.
For those who’re contemplating these two playing cards, ensure you are beneath Chase’s 5/24 rule and that you’re eligible for a enterprise card.
Let’s take a deeper have a look at every card provide to see which is extra useful.
Ink Enterprise Limitless vs. Chase Freedom Limitless comparability
| Card | Chase Freedom Limitless | Ink Enterprise Limitless |
|---|---|---|
| Welcome provide | Earn an extra 1.5% money again on the whole lot you purchase (on as much as $20,000 spent within the first yr), price as much as $300 money again | Earn $900 money again after spending $6,000 on purchases within the first three months from account opening |
| Annual charge | $0 | $0 |
| Rewards price |
|
|
| Overseas transaction charge | 3% | 3% |
| Different advantages |
|
|
Ink Enterprise Limitless vs. Chase Freedom Limitless welcome bonus
Presently, new Ink Enterprise Limitless cardholders can earn $900 money again after spending $6,000 on purchases within the first three months from account opening.
In the meantime, new Freedom Limitless cardholders can earn an extra 1.5% money again on the whole lot they purchase (on as much as $20,000 spent within the first yr), price as much as $300 money again.
Winner: Ink Enterprise Limitless. Its welcome provide is extra useful.
Associated: The very best time to use for these widespread Chase bank cards based mostly on provide historical past
Ink Enterprise Limitless vs. Chase Freedom Limitless advantages
The Ink Enterprise Limitless, unsurprisingly, would not provide as many perks as different playing cards with greater annual charges. Most notably, you will not take pleasure in cellphone safety or journey cancellation/interruption insurance coverage.
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Nevertheless, you’ll obtain buy safety, an auto rental collision injury waiver, a yearlong guarantee extension on choose purchases and worker playing cards at no extra value.
The Freedom Limitless affords some stable perks like rental automotive safety, journey cancellation and interruption insurance coverage, roadside dispatch, prolonged guarantee safety and buy safety. For those who lack one other card with extra strong advantages, the Freedom Limitless supplies first rate protection for a card with no annual charge.
Winner: Freedom Limitless. Because the Freedom Limitless affords journey cancellation and interruption insurance coverage, it edges out the Ink Enterprise Limitless.
Incomes money again with the Ink Enterprise Limitless vs. Chase Freedom Limitless
The Ink Enterprise Limitless affords a 5% again on Lyft rides by way of March 2025 and a simple 1.5% money again on all different purchases with out rotating or bonus classes.
The Freedom Limitless affords 5% again on journey booked by way of Chase Journey, 3% again on eating (together with takeout and eligible supply providers), 3% again at drugstores and 1.5% again on all different purchases.
Winner: Freedom Limitless. Its earnings charges are superior because it has bonus classes on high of providing 1.5% again on non-bonused spending.
Redeeming money again with the Ink Enterprise Limitless vs. Chase Freedom Limitless
Your rewards earned by way of each of those Chase playing cards could be redeemed for money again, reward playing cards, journey or for items and providers supplied by way of Chase’s rewards program. For those who elect to redeem for money again, you may get your cash as a assertion credit score, as a mailed test or by way of an digital deposit.
None of these choices are fairly as profitable as changing your money again to Chase factors (extra on that within the subsequent part), however they’re going to get the job accomplished. If you wish to preserve issues easy, I like to recommend redeeming your rewards for money again over the opposite choices accessible.
Winner: Tie. These playing cards provide the identical redemption choices.
Transferring money again with the Ink Enterprise Limitless vs. Chase Freedom Limitless
By transferring your earned rewards from both of those playing cards to a full-fledged Final Rewards private or enterprise card just like the Ink Enterprise Most well-liked® Credit score Card, Chase Sapphire Most well-liked® Card or Chase Sapphire Reserve®, you may enhance your redemption price to an efficient return of not less than 3%, based mostly on TPG’s October 2024 valuations.
As soon as the factors are transferred to an Final Rewards account, you could be like TPG bank cards editor Emily Thompson and redeem them with useful airline and resort companions.
Or, you may guide journey straight by way of Chase Journey at a set worth per level (1.5 cents with the Chase Sapphire Reserve or 1.25 cents with the Chase Sapphire Most well-liked or Ink Enterprise Most well-liked).
For those who’re keen to undergo the additional steps and you’ve got the fitting card readily available, I like to recommend transferring your Freedom Limitless or Ink Enterprise Limitless rewards to an Final Rewards-earning account.
Winner: Tie. The choices listed here are similar as effectively.
Ought to I get the Ink Enterprise Limitless or Chase Freedom Limitless?
Typically talking, the Freedom Limitless is the higher selection for many resulting from its higher earnings construction and nice advantages. Nevertheless, in case you’re on the lookout for a starter enterprise card, I like to recommend contemplating the Ink Enterprise Limitless. Receiving a flat 1.5% again on all purchases (besides Lyft by way of 2025) continues to be stable.
Backside line
We suggest having a card in your pockets that you should use to earn bonus rewards on on a regular basis spending that does not fall beneath a particular bonus class. Each of those playing cards meet that standards.
If you have already got Chase Final Rewards bank cards, pairing them with the Freedom Limitless or Ink Enterprise Limitless is a wonderful option to reap the benefits of the rewards you will earn. Each newcomers and specialists can use both of those playing cards to maximise worth.
To be taught extra, learn our full critiques of the Ink Enterprise Limitless and Chase Freedom Limitless.
Apply right here: Ink Enterprise Limitless
Apply right here: Chase Freedom Limitless
Associated: Chase Freedom Flex vs. Chase Freedom Limitless comparability
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