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Card vs Card Comparison

Chase Ink Business Cash
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.

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

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.

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.

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.

SpecChase Ink Business CashChase Ink Business Preferred
Annual feeFree$95
Points currencyUltimate Rewards (with Sapphire pairing)Ultimate Rewards
Signup bonus$900 cash back100K points
Top earn category5x on office supply stores and phone, internet, and cable (up to $25K per year)3x on travel, shipping, internet, cable, phone, and online advertising (up to $150K per year)
Second earn category2x on gas and dining (up to $25K per year)1x on everything else
Third earn category1x on everything elsePoints transfer to Chase partners including Hyatt and United
Signature perk$0 annual fee foreverCell phone protection up to $1,000 per claim
IssuerChaseChase

Questions

Frequently asked.

Which is better, Chase Ink Business Cash or Chase Ink Business Preferred?

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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. 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 Chase Ink Business Cash and the Chase Ink Business Preferred?

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Both cards are issued by Chase, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

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

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Chase Ink Business Preferred has the higher annual fee at $95, 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.