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Chase Ink Business Unlimited vs Prime Visa

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 Unlimited 1.5% 1.5% base rate
  2. Prime Visa 1.0% 1% base rate

Dining

  1. Prime Visa 2.0% 2%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Gas

  1. Prime Visa 2.0% 2%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Travel · portal

  1. Prime Visa · Chase Travel 5.0% 5%

Amazon

  1. Prime Visa 5.0% 5%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Whole Foods Market

  1. Prime Visa 5.0% 5%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Public transit

  1. Prime Visa 2.0% 2%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Rideshare & taxis

  1. Prime Visa 2.0% 2%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Lyft

  1. Ink Business Unlimited 5.0% 5%
  2. Prime Visa 2.0% 2%

What the numbers are doing

Abroad the answer flips: Ink Business Unlimited charges a 3% foreign transaction fee, so once that comes off the rate Prime Visa is the better card for everyday spend.

Where they differ: Ink Business Unlimited takes everything else and lyft; Prime Visa takes dining, gas, amazon and whole foods market, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Unlimited1.5%
DiningPrime Visa2.0%
GasPrime Visa2.0%
Travel · portalPrime Visa · Chase Travel5.0%
AmazonPrime Visa5.0%
Whole Foods MarketPrime Visa5.0%
Public transitPrime Visa2.0%
Rideshare & taxisPrime Visa2.0%
LyftInk Business Unlimited5.0%

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 Unlimited — 1.5%
  2. Prime Visa — 1.0%

Dining

  1. Prime Visa — 2.0%
  2. Ink Business Unlimited — 1.5%

Gas

  1. Prime Visa — 2.0%
  2. Ink Business Unlimited — 1.5%

Travel · portal

  1. Prime Visa · Chase Travel — 5.0%

Amazon

  1. Prime Visa — 5.0%
  2. Ink Business Unlimited — 1.5%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. Ink Business Unlimited — 1.5%

Public transit

  1. Prime Visa — 2.0%
  2. Ink Business Unlimited — 1.5%

Rideshare & taxis

  1. Prime Visa — 2.0%
  2. Ink Business Unlimited — 1.5%

Lyft

  1. Ink Business Unlimited — 5.0%
  2. Prime Visa — 2.0%
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