Compare the Features and Benefits of Chase Ink Business Unlimited® Credit Card and
Bilt Obsidian Card

If you are a small business owner, I strongly recommend that you carry all three Chase Ink credit cards: the Chase Ink Business Unlimited® Credit Card (this card!), the Chase Ink Business Preferred®, and the Chase Ink Business Cash®.

They all work together as what we refer to as a Chase business credit card “Trifecta.” The Chase Ink Preferred® allows you to transfer points to Chase’s Ultimate Rewards airline and hotel partners like United, Hyatt, and British Airways.

But then it makes sense to also get the Ink Business Cash credit card and Chase Ink Business Unlimited credit card to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

Here, with the Chase Ink Business Unlimited credit card, it is your “default” card for your business spend. What I mean by that is that if the purchase you are making isn’t in a bonus category on your other cards, you would put the charge on the Ink Unlimited for 1.5X Ultimate Rewards points. This way you are never, ever getting less than 1.5% back on your business purchases.

There is no limit to how many Ultimate Rewards points you can earn on the Chase Ink Business Unlimited credit card, all at the 1.5X multiplier.

However, it is very important to know is that although this card states that you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card.

Yes, you are earning Chase Ultimate Rewards points with the Chase Ink Business Unlimited credit card.

But without one of the above credit cards, your only redemption option is to cash out your points for 1 cent per point, meaning that, on its own, it’s a cash back card and the points have an actual cash value of 1 cent each.

Assuming you do have an Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card in your wallet, however, you’ll be able to move your points from your Ink Business Unlimited card to any of those other 3 cards, where you will be able to transfer to airline and hotel partner programs like United and Hyatt – or redeem for travel via Chase Travel℠ where Points Boost gives you the opportunity to redeem at up to 2 cents per point in value depending on the card, or 1 cent per point otherwise.

The bottom line is that the Chase Ink Unlimited is simply a staple in the Chase Ink family of business credit cards. It backs up the Preferred and Cash with that 1.5% “floor” on rewards – and all with no annual fee.

When using our bonus spend calculator on this card, you’ll notice we ask you if you also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card. That’s because, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly accounting for the ability to utilize Chase’s point transfer partners.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a Chase Ink business card (or any Chase business card).

This card is also mentioned in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

The Bilt Obsidian Card sits in the middle of the three Bilt credit cards with its $95 annual fee.

You’ll earn valuable Bilt Rewards points with each purchase. One unique feature of this card is the ability to choose a 3X bonus category. You can choose (at the start of each year) whether you prefer 3X on groceries (up to $25,000 a year) or 3X on dining. You’ll then also get 2X on travel and 1X + 4% Bilt Cash on Everyday Spend.

It has no foreign transaction fees and the $95 annual fee can be offset by the $100 Bilt Travel Hotel credit. It’s available once per half year as $50 statement credits for qualifying Bilt Travel Portal hotel bookings.

Bilt Obsidian Card

Your Best Credit Cards values Bilt Rewards points at 1.8 cents each, although the personal value you get from each point may be higher or lower. With 1X points earned on all everyday spend, you are earning an approximate value of 1.8% worth of Bilt Rewards plus another 4% in Bilt Cash on top.

Many know Bilt for the ability to pay your rent and mortgage with the card. You’ll be able to earn points for paying any personal rent or mortgage with this card. Simply redeem the Bilt Cash you earn from all of your non-rent spend to earn 1X points on your rent or mortgage payment, which has no transaction fees. Applying $30 worth of Bilt Cash for every $1,000 in rent or mortgage payments paid will earn you points on that portion of the rent or mortgage payment, up to the full amount. You can redeem Bilt Cash for all or part of your payment.

We love Bilt Rewards for their strong list of transfer partners which include World of Hyatt, United Airlines, Alaska Airlines, and JAL Mileage Bank, among many others as mentioned above. You can also get 1.25 cents per point in value simply by redeeming Bilt points in their travel portal and they even offer “direct bookings” that offer loyalty benefits despite being a third party booking. Just look for “Member Rate” or “Home Away From Home” labels when searching hotels or “Direct Book” when searching flights.

If you are looking for a Bilt card that offers a huge 2X (+ 4% Bilt Cash) on Everyday Spend with premium benefits, you might consider the Bilt Palladium Card. If you want to explore a Bilt card with no annual fee, that’s the Bilt Blue Card.