Chase Freedom Flex vs Ink Business Cash
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Freedom Flex 1.0% 1% base rate
- Ink Business Cash 1.0% 1% base rate
Dining
- Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
- Ink Business Cash 2.0% 2%
Groceries
- Freedom Flex 5.0% 5%, rotating this quarter
- Ink Business Cash 1.0% 1% base rate
Gas
- Ink Business Cash 2.0% 2%
- Freedom Flex 1.0% 1% base rate
Travel · portal
- Freedom Flex · Chase Travel 5.0% 5%
Drugstores
- Freedom Flex 3.0% 3%
- Ink Business Cash 1.0% 1% base rate
Phone & internet
- Ink Business Cash 5.0% 5%
- Freedom Flex 1.0% 1% base rate
Lyft
- Ink Business Cash 5.0% 5%
- Freedom Flex 2.0% 2%
What the numbers are doing
Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.
Where they differ: Freedom Flex takes dining, groceries and drugstores; Ink Business Cash takes gas, phone & internet and lyft.
| Category | Best card |
|---|---|
| Everything else | Freedom Flex1.0% |
| Dining | Freedom Flex7.0% |
| Groceries | Freedom Flex5.0% |
| Gas | Ink Business Cash2.0% |
| Travel · portal | Freedom Flex · Chase Travel5.0% |
| Drugstores | Freedom Flex3.0% |
| Phone & internet | Ink Business Cash5.0% |
| Lyft | Ink Business Cash5.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Freedom Flex — 1.0%
- Ink Business Cash — 1.0%
Dining
- Freedom Flex — 7.0%
- Ink Business Cash — 2.0%
Groceries
- Freedom Flex — 5.0%
- Ink Business Cash — 1.0%
Gas
- Ink Business Cash — 2.0%
- Freedom Flex — 1.0%
Travel · portal
- Freedom Flex · Chase Travel — 5.0%
Drugstores
- Freedom Flex — 3.0%
- Ink Business Cash — 1.0%
Phone & internet
- Ink Business Cash — 5.0%
- Freedom Flex — 1.0%
Lyft
- Ink Business Cash — 5.0%
- Freedom Flex — 2.0%
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