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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Chase Ink Business Unlimited vs U.S. Bank Shopper Cash Rewards Visa Signature Card
Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the U.S. Bank Shopper Cash Rewards Visa Signature Card from U.S. Bank at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Chase Ink Business Unlimited | U.S. Bank Shopper Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $750 bonus cash back | $250 cash back bonus |
| Bonus value (est.) | $750 | $250 |
| Min spend to unlock bonus | $6,000 in 3 mo | $2,000 in 4 mo |
| Issuer | Chase | U.S. Bank |
| Card category | business | cashback |
| Best earning category (Other) | 1.5x | 1.5x |
| 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
U.S. Bank Shopper Cash Rewards Visa Signature Card
$95/yr · $250 cash back bonus
Editorial take: U.S. Bank Shopper Cash Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The Chase Ink Business Unlimited has the bigger bonus, $750 bonus cash back, worth roughly $750, versus $250 cash back bonus (~$250) on the U.S. Bank Shopper Cash Rewards Visa Signature Card.
- Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the U.S. Bank Shopper Cash Rewards Visa Signature Card?
- The Chase Ink Business Unlimited has no annual fee, so the question is whether the U.S. Bank Shopper Cash Rewards Visa Signature Card's $95 fee is justified by its perks. If you'll use enough of the U.S. Bank Shopper Cash Rewards Visa Signature Card's benefits to clear $95 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 U.S. Bank Shopper Cash Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and U.S. Bank) 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 U.S. Bank Shopper 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. U.S. Bank Shopper Cash Rewards Visa Signature Card: $2,000 in 4 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.