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Chase Freedom Flex vs Ink Business Premier

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Ink Business Premier 2.0% 2% base rate
  2. Freedom Flex 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Ink Business Premier 2.0% 2% base rate

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Ink Business Premier 2.0% 2% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%
  2. Ink Business Premier · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Ink Business Premier 2.0% 2% base rate

Lyft

  1. Ink Business Premier 5.0% 5%
  2. 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.

The table is earn rate only — annual fees are not netted out of it. These cards charge Freedom Flex $0 and Ink Business Premier $195 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Premier takes everything else and lyft; Freedom Flex takes dining, groceries and drugstores.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Premier2.0%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
LyftInk Business Premier5.0%

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

  1. Ink Business Premier — 2.0%
  2. Freedom Flex — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Ink Business Premier — 2.0%

Groceries

  1. Freedom Flex — 5.0%
  2. Ink Business Premier — 2.0%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%
  2. Ink Business Premier · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Ink Business Premier — 2.0%

Lyft

  1. Ink Business Premier — 5.0%
  2. Freedom Flex — 2.0%
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