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Card vs Card Comparison

Amex Business Gold
vs
Chase Ink Business Cash.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Business Gold

Annual fee

$375

Points

Membership Rewards

Signup bonus

Currently around 70K to 200K points after spend, see issuer for the current offer

Top earning rates

  • →4x on top 2 business spending categories each month (up to $150K per year)
  • →Categories include US advertising, US gas, restaurants, electronics, transit, and software
  • →3x on flights and prepaid hotels on Amex Travel

Top perks

  • →$240 flexible business credit (split monthly across 6 partners)
  • →$155 Walmart+ credit
  • →$20 monthly tech credit (Adobe, FedEx, Hubspot, etc.)
See Amex Business Gold detailsarrow_forward

Chase

Chase Ink Business Cash

Annual fee

Free

Points

Ultimate Rewards (with Sapphire pairing)

Signup bonus

$900 cash back after $6K in 3 months

Top earning rates

  • →5x on office supply stores and phone, internet, and cable (up to $25K per year)
  • →2x on gas and dining (up to $25K per year)
  • →1x on everything else

Top perks

  • →$0 annual fee forever
  • →Cell phone protection
  • →Primary rental car coverage on business rentals
See Chase Ink Business Cash detailsarrow_forward

The verdict

When each card wins.

Amex Business Gold wins if

Pick this if your business spends heavily in 1 or 2 categories that match the bonus list.

Honest downside: If your business spending is evenly spread, you will not max out the 4x and the fee is hard to justify.

Chase Ink Business Cash wins if

Pick this if your business spends on office supply stores, internet, or phone bills. Best paired with a Sapphire for transfer-partner access.

Honest downside: Spending caps limit total earn. Outside the bonus categories the earn rate drops to 1x.

At a glance

Side-by-side spec sheet.

SpecAmex Business GoldChase Ink Business Cash
Annual fee$375Free
Points currencyMembership RewardsUltimate Rewards (with Sapphire pairing)
Signup bonusCurrently around 70K to 200K points$900 cash back
Top earn category4x on top 2 business spending categories each month (up to $150K per year)5x on office supply stores and phone, internet, and cable (up to $25K per year)
Second earn categoryCategories include US advertising, US gas, restaurants, electronics, transit, and software2x on gas and dining (up to $25K per year)
Third earn category3x on flights and prepaid hotels on Amex Travel1x on everything else
Signature perk$240 flexible business credit (split monthly across 6 partners)$0 annual fee forever
IssuerAmerican ExpressChase

Questions

Frequently asked.

Which is better, Amex Business Gold or Chase Ink Business Cash?

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Amex Business Gold wins if your business spends heavily in 1 or 2 categories that match the bonus list. Chase Ink Business Cash wins if your business spends on office supply stores, internet, or phone bills. Best paired with a Sapphire for transfer-partner access.

Can I have both the Amex Business Gold and the Chase Ink Business Cash?

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Yes. These are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Business Gold or Chase Ink Business Cash?

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Amex Business Gold has the higher annual fee at $375, compared to $0 for Chase Ink Business Cash. Whether the pricier card is worth the difference depends on which credits and perks you use each year.