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Chase Ink Business Unlimited vs Choice Privileges Select Mastercard

Both are well-respected travel cards. The Chase Ink Business Unlimited comes from Chase at $0/yr; the Choice Privileges Select Mastercard from Wells Fargo at $95/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 ($1,000 more in estimated value) than the Choice Privileges Select Mastercard's. Get the Chase Ink Business Unlimited first; revisit the Choice Privileges Select Mastercard after you've earned that bonus.

FeatureChase Ink Business UnlimitedChoice Privileges Select Mastercard
Annual fee$0$95
Sign-up bonus$1,000 bonus cash back60,000 bonus points
Bonus value (est.)$1,000-
Min spend to unlock bonus$8,000 in 4 mo$3,000 in 3 mo
IssuerChaseWells Fargo
Card categorybusinesstravel
Best earning category (Other)1.5x1x
Transfer partnerschase-urNone
Headline benefits
  • 1.5% on everything
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
    Read the full review
    Chase Ink Business Unlimited
    $0/yr · $1,000 bonus cash back
    Read the full review
    Choice Privileges Select Mastercard
    $95/yr · 60,000 bonus points

    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. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase labels its best offer ever (issuer-verified 2026-07-18).

    Editorial take: Choice Privileges Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Unlimited or Choice Privileges Select Mastercard?
    The Chase Ink Business Unlimited has a public bonus ($1,000 bonus cash back, worth roughly $1,000), while the Choice Privileges Select Mastercard doesn't advertise one right now.
    Is the Chase Ink Business Unlimited's $0 annual fee worth it compared to the Choice Privileges Select Mastercard?
    The Chase Ink Business Unlimited has no annual fee, so the question is whether the Choice Privileges Select Mastercard's $95 fee is justified by its perks. If you'll use enough of the Choice Privileges Select Mastercard'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 Choice Privileges Select Mastercard?
    Yes, since they're from different issuers (Chase and Wells Fargo) 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 Choice Privileges Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Unlimited: $8,000 spend in 4 months. Choice Privileges Select Mastercard: $3,000 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.