Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
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Side-by-side
Chase Ink Business Unlimited vs Chime Credit Builder Secured Visa
Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the Chime Credit Builder Secured Visa from Chime at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the Chase Ink Business Unlimited first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Chase Ink Business Unlimited | Chime Credit Builder Secured Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | None |
| Bonus value (est.) | $750 | $0 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Chime |
| Card category | business | secured |
| Best earning category (Other) | 1.5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
Editorial take: Chime Credit Builder Secured Visa
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or Chime Credit Builder Secured Visa?
- The Chase Ink Business Unlimited has the bigger bonus, $750 bonus cash back, worth roughly $750, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the Chime Credit Builder Secured Visa?
- The Chase Ink Business Unlimited has no annual fee, so the question is whether the Chime Credit Builder Secured Visa's $0 fee is justified by its perks. If you'll use enough of the Chime Credit Builder Secured Visa's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Chase Ink Business Unlimited.
- Can I have both the Chase Ink Business Unlimited and Chime Credit Builder Secured Visa?
- Yes, since they're from different issuers (Chase and Chime) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Ink Business Unlimited or the Chime Credit Builder Secured Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Unlimited: $6,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.