TravelDiari matches your credit cards to every hotel booking — saving you points you'd otherwise miss.

Card vs Card Comparison

Amex Business Gold
vs
Chase Ink Business Preferred.

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

70K points after $10K in 3 months

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 Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

100K points after $8K in 3 months

Top earning rates

  • →3x on travel, shipping, internet, cable, phone, and online advertising (up to $150K per year)
  • →1x on everything else
  • →Points transfer to Chase partners including Hyatt and United

Top perks

  • →Cell phone protection up to $1,000 per claim
  • →Primary rental car coverage when renting for business
  • →Trip cancellation and delay insurance
See Chase Ink Business Preferred 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 Preferred wins if

Pick this if you run a business with regular ad spend, shipping, or office utility bills. The 100K signup bonus is one of the best in the game.

Honest downside: 1x baseline outside the bonus categories is weak for general spending.

At a glance

Side-by-side spec sheet.

SpecAmex Business GoldChase Ink Business Preferred
Annual fee$375$95
Points currencyMembership RewardsUltimate Rewards
Signup bonus70K points100K points
Top earn category4x on top 2 business spending categories each month (up to $150K per year)3x on travel, shipping, internet, cable, phone, and online advertising (up to $150K per year)
Second earn categoryCategories include US advertising, US gas, restaurants, electronics, transit, and software1x on everything else
Third earn category3x on flights and prepaid hotels on Amex TravelPoints transfer to Chase partners including Hyatt and United
Signature perk$240 flexible business credit (split monthly across 6 partners)Cell phone protection up to $1,000 per claim
IssuerAmerican ExpressChase

Questions

Frequently asked.

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

expand_more

Amex Business Gold wins if your business spends heavily in 1 or 2 categories that match the bonus list. Chase Ink Business Preferred wins if you run a business with regular ad spend, shipping, or office utility bills. The 100K signup bonus is one of the best in the game.

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

expand_more

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 Preferred?

expand_more

Amex Business Gold has the higher annual fee at $375, compared to $95 for Chase Ink Business Preferred. Whether the pricier card is worth the difference depends on which credits and perks you use each year.