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 PenFed Power Cash Rewards Visa Signature Card
Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the PenFed Power Cash Rewards Visa Signature Card from PenFed 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 ($650 more in estimated value) than the PenFed Power Cash Rewards Visa Signature Card's. Get the Chase Ink Business Unlimited first; revisit the PenFed Power Cash Rewards Visa Signature Card after you've earned that bonus.
| Feature | Chase Ink Business Unlimited | PenFed Power Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | $100 statement credit |
| Bonus value (est.) | $750 | $100 |
| Min spend to unlock bonus | $6,000 in 3 mo | $1,500 in 3 mo |
| Issuer | Chase | PenFed |
| Card category | business | cashback |
| 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
PenFed Power Cash Rewards Visa Signature Card
$0/yr · $100 statement credit
Editorial take: PenFed Power Cash Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or PenFed Power Cash Rewards Visa Signature Card?
- The Chase Ink Business Unlimited has the bigger bonus, $750 bonus cash back, worth roughly $750, versus $100 statement credit (~$100) on the PenFed Power Cash Rewards Visa Signature Card.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the PenFed Power Cash Rewards Visa Signature Card?
- The Chase Ink Business Unlimited has no annual fee, so the question is whether the PenFed Power Cash Rewards Visa Signature Card's $0 fee is justified by its perks. If you'll use enough of the PenFed Power Cash Rewards Visa Signature Card'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 PenFed Power Cash Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and PenFed) 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 PenFed Power Cash Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Unlimited: $6,000 spend in 3 months. PenFed Power Cash Rewards Visa Signature Card: $1,500 in 3 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.