Chase Ink Business Preferred vs Chase Ink Business Cash
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
No annual fee
Base Rewards
1x
vs
1%
Sign-Up Bonus
$1,125
vs
$750
Editor Score
10/10
vs
9/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $95✗ Highest | No annual fee★ Lowest |
| Purchase APR | 21.24% – 26.24% | 18.49% – 24.49% |
| Intro APR (Purchases) | 0% · 12 mo | |
| Intro APR (Balance Transfer) | 0% · 12 mo | |
| Foreign Txn Fee | None★ Lowest | 3%✗ Highest |
| Balance Transfer Fee | 5% | 5% |
| Rewards | ||
| Rewards Type | Points | Cashback |
| Base Rewards Rate | 1x★ Highest | 1% |
| Bonus Categories | 3x Travel · 3x Shipping · 3x Advertising (social/search) | 5% Office Supplies · 5% Internet/Cable/Phone · 2% Gas Stations |
| Sign-Up Bonus | $1,125 value★ Highest | $750 value✗ Lowest |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Growing businesses with travel and advertising expenses | Small businesses with high office supply & telecom spend |
| Ratings | ||
| User Rating | 4.7 / 5★ Highest | 4.6 / 5✗ Lowest |
| Editor Score | 10 / 10★ Highest | 9 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Same Chase Ink family, very different value propositions. The Preferred ($95/yr) earns 3x on travel, shipping, internet, advertising, and phone — up to $150K/year — and points transfer to travel partners. The Cash ($0/yr) earns 5% on office supplies, internet, phone, and 2% on gas/dining — up to $25K/year. If you spend big on advertising, shipping, or travel, the Preferred's 3x with partner transfers is worth the fee. For office-heavy spending, the Cash's 5% is better.
Winner: Chase Ink Business Preferred
Transfer partners and higher cap make it more valuable for most businesses
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Common Questions
Which is better: Chase Ink Business Preferred or Chase Ink Business Cash?
It depends on your spending habits. The Chase Ink Business Preferred has a $95 annual fee and earns 1x base rewards. The Chase Ink Business Cash has no annual fee and earns 1% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Ink Business Preferred and Chase Ink Business Cash?
The Chase Ink Business Preferred has a $95 annual fee while the Chase Ink Business Cash has no annual fee. The Chase Ink Business Preferred costs $95 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Chase Ink Business Preferred and Chase Ink Business Cash?
Both cards are issued by Chase, so check their application rules. Some issuers limit the number of cards you can hold simultaneously or have waiting periods between applications.