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 Sephora Visa Credit Card
Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the Sephora Visa Credit Card from Comenity 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 ($725 more in estimated value) than the Sephora Visa Credit Card's. Get the Chase Ink Business Unlimited first; revisit the Sephora Visa Credit Card after you've earned that bonus.
| Feature | Chase Ink Business Unlimited | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | $750 | $25 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Comenity |
| 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
Sephora Visa Credit Card
$0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Editorial take: Sephora Visa Credit Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or Sephora Visa Credit Card?
- The Chase Ink Business Unlimited has the bigger bonus, $750 bonus cash back, worth roughly $750, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the Sephora Visa Credit Card?
- The Chase Ink Business Unlimited has no annual fee, so the question is whether the Sephora Visa Credit Card's $0 fee is justified by its perks. If you'll use enough of the Sephora Visa Credit 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 Sephora Visa Credit Card?
- Yes, since they're from different issuers (Chase and Comenity) 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 Sephora Visa Credit 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. Sephora Visa Credit Card: $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.