Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card: Which Is Best for You?
Business owners looking for a credit card that will help keep business expenses separate from personal expenditures, track business finances and earn rewards may find the Ink Business Cash® Credit Card or Ink Business Preferred® Credit Card the best option. MoneyGeek compares these two Chase credit cards to help you decide which is the better card for you.


The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Chase Ink Business credit cards allow cardholders to turn business expenses into rewards. Two of the best credit card options for small business owners are the Ink Business Cash and Ink Business Preferred cards.
Compare Ink Business Cash® Credit Card and Ink Business Preferred® Credit Card features, fees, rewards and costs to determine which one is more suitable for your needs. For example, the Ink Business Preferred has a $95 annual fee and Ink Business Cash has no annual fee. However, the Ink Business Preferred has no foreign transaction fee, while Ink Business Cash has a 3% fee for every foreign transaction.
Comparison Overview: Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card
- Ink Business Cash® Credit CardInk Business Preferred® Credit Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
Ink Business Cash® Credit Card At a Glance
The Ink Business Cash® Credit Card is a great option to cover business expenses. It offers a generous 5% cash back on office supply store purchases, as well as on phone, cable and Internet services, up to $25,000 per year. Cardholders can enjoy 2% cash back for spending up to $25,000 at gas stations and restaurants. For all other purchases, you will earn 1% cash back.
- Ink Business Cash® Credit Card
Fantastic card for earning rewards on office supplies
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–5% Cash Back*Rewards Rate
- 5xRewards Rate on TV, Phone, Internet Services
- 2xRewards Rate on Dining
Ink Business Preferred® Credit Card At a Glance
The Ink Business Preferred® Credit Card is best for those who travel often for business, spend on internet advertising and have regular shipping expenses. There is no limit on the number of points you can earn, and if you travel internationally for work, the card doesn’t have foreign transaction fees.
- Ink Business Preferred® Credit Card
A great card to maximize earning unlimited rewards
- Good–ExcellentRecommended Credit
- $95Annual Fee
- 1–3 Points per $1Rewards Rate
- 3xRewards Rate on TV, Phone, Internet Services
- 3xRewards Rate on Air Travel
Comparison Summary
MoneyGeek breaks down the differences between the Ink Business Cash® Credit Card and Ink Business Preferred® Credit Card to help you decide which one is the best business credit card for you.
- Card DetailComparison Summary
Complimentary Travel Coverage
Both cards offer travel and emergency assistance services, as well as auto rental collision damage waiver. However, the Ink Business Preferred also has trip cancellation/trip interruption insurance that will reimburse up to $5,000 per trip for prepaid, non-refundable travel expenses should your trip get canceled or cut short because of an illness, severe weather or other covered situations. Ink Business Preferred also offers roadside dispatch, which provides roadside services anytime.
Winner: Ink Business Preferred® Credit Card
Welcome Bonus
Chase offers a welcome bonus to new cardholders. New Ink Business Cash cardholders can get a $750 cash back if they spend $7,500 in the first three months. Meanwhile, the welcome offer for Ink Business Preferred cardholders is 100,000 bonus points after spending $15,000 on purchases in the first three months. These points can be redeemed as $1,000 cash back or $1,250 in travel rewards.
Winner: Ink Business Preferred® Credit Card
Rewards
Ink Business Cash® Credit Cardholders can get: 5% cash back on purchases made at office supply stores and on payments for phone, cable and Internet services and 2% cash back at U.S. gas stations and restaurants at a rate of 2%. However, each of these categories have a $25,000 per year spending capAfter the first $25,000, all purchases will earn 1% cash back.
Meanwhile, Ink Business Preferred® Credit Cardholders can earn 3x points when using the card for travel, phone, cable and Internet services and Internet advertising purchases. However, this rate is applicable only up to the first $150,000 spent per year. Points do not expire as long as the account is open.
Winner: Ink Business Preferred® Credit Card
Annual Fee
One of the most appealing features of the Ink Business Cash credit card is no annual fee.
On the other hand, the Ink Business Preferred has a $95 annual fee
Winner: Ink Business Cash® Credit Card
Foreign Transaction Fees
For business owners who travel a lot, the foreign transaction fee may be a big consideration when choosing a credit card. The Ink Business Cash® Credit Card has a 3% fee on all foreign transactions.
The Ink Business Preferred has no foreign transaction fee. That means you can save a lot when completing transactions outside the U.S.
Winner: Ink Business Preferred® Credit Card
Which Card Should You Get?
When you are choosing between the Ink Business Cash vs. Ink Business Preferred, it is important to consider your situation and needs.
Who Should Consider the Ink Business Cash® Credit Card?
Ink Business Cash® Credit Card is one of the best cash back credit cards for business owners. It has no annual fee and outstanding cash back rates. This makes the card an ideal option if you want to earn rewards on business expenses.
Small business owners and startups would benefit from this card’s rewards program. You can earn bonus rewards for everyday business expenses, including office supplies, phone, cable and Internet services.
Individuals who are on the road a lot for business can enjoy 2% cash back for purchases made at U.S. gas stations and restaurants. The card also offers emergency assistance services and rental car insurance.
≫ More: Read Our Full Review
Who Should Consider the Ink Business Preferred® Credit Card?
The Ink Business Preferred® Credit Card is best for individuals who travel often for business. It offers valuable rewards and benefits for regular travelers, including no foreign transaction fees.
The card offers 3x points for every dollar spent on bonus categories, including travel and hotel bookings.
Businesses that use shipping services and online advertising will earn 3x points for every dollar of the first $150,000 spent every account anniversary year on purchases made on shipping and advertising services on social media and search engines.
≫ More: Read Our Full Review
The choice between these two cards is difficult, but it comes down to one simple factor: will your business benefit more from points or cash? And the one reason points are typically a better option is that you can always cash them out if needed. So unless you are focused on earning cash back to support your business ventures, the Ink Business Preferred® Credit Card has a slight edge.
Other Helpful Decision-Making FAQs
Choosing a business credit card can be challenging. MoneyGeek answers some of the frequently asked questions to help you better understand the difference between the Ink Business Cash® Credit Card and Ink Business Preferred® Credit Card.
Still Not Sure About These Cards? Consider These Options
The Ink Business Cash® Credit Card and Ink Business Preferred® Credit Card are solid credit card options for business owners. However, if you’re looking for other options that offer more opportunities to earn bonuses, consider getting a rewards credit card.
Capital One Spark Miles for Business
Capital One Venture Rewards Credit Card
IHG® Rewards Traveler Credit Card
Ink Business Preferred® Credit Card
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Boundless® Credit Card
Chase Sapphire Reserve® Card
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
Costco Anywhere Visa® Business Card by Citi
United℠ Business Card
United Club℠ Infinite Card
United℠ Explorer Card
United Gateway℠ Card
Citi® / AAdvantage® Executive World Elite Mastercard®
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
American Airlines AAdvantage® MileUp® Card
Destiny® Mastercard®
Indigo® Platinum Mastercard®
Indigo Mastercard
Mastercard® Gold Card™
Merrick Bank Double Your Line® Secured Credit Card
Merrick Bank Secured Credit Card
Southwest Rapid Rewards® Priority Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Bank of America® Travel Rewards Credit Card for Students
Navy Federal Credit Union Visa Signature cashRewards Card
Navy Federal More Rewards American Express card
Discontinued
Fit Mastercard® Credit Card
Milestone® Gold Mastercard®
Disney® Premier Visa® Card
Alliant Visa Signature Card
Marriott Bonvoy Brilliant™ American Express® Card
The Plum Card® from American Express
U.S. Bank Altitude® Connect Visa Signature® Card
Citi® Double Cash Card
Credit One Bank® Platinum X5 Visa®
Credit One Bank® NASCAR® American Express® Credit Card
The Platinum Card® from American Express
Wells Fargo Active Cash® Card
The Blue Business® Plus Credit Card from American Express
American Express Cash Magnet® Card
American Express® Gold Card
Marriott Bonvoy Business® American Express® Card
Journey Student Rewards from Capital One
Capital One Platinum Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One Spark Cash Plus
Chase Freedom® Student Credit Card
Chase Freedom Unlimited®
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Chase Sapphire Preferred® Card
World of Hyatt Credit Card
Citi® Diamond Preferred® Card
Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa® for Rebuilding Credit
Deserve® EDU Mastercard for Students
Mastercard® Black Card™
Mastercard® Titanium Card™
Simmons Rewards Visa Signature®
Simmons Visa®
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Visa® Platinum Card
American Express Blue Business Cash™ Card
Blue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express
American Express® Business Gold Card
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum American Express Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Capital One SavorOne Cash Rewards Credit Card
Capital One Platinum Secured Credit Card
Capital One Spark Cash Select - $500 Cash Bonus
Capital One VentureOne Rewards Credit Card
Aer Lingus Visa Signature®
British Airways Visa Signature® Card
Chase Freedom Flex℠
Iberia Visa Signature® Card
IHG® Rewards Premier Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Costco Anywhere Visa® Card by Citi
Citi Premier® Card
Citi Rewards+® Card
Citi® Secured Mastercard®
The Business Platinum Card® from American Express
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve American Express Card
The Hilton Honors American Express Business Card
Hilton Honors American Express Card
Hilton Honors American Express Surpass® Card
Capital One QuicksilverOne Cash Rewards Credit Card
United Quest℠ Card
Bank of America® Customized Cash Rewards Card for Students
Navy Federal Credit Union Visa Signature Flagship Rewards card
Platinum Rewards Visa Signature® Card
PenFed Pathfinder® Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
Citi Custom Cash℠ Card
Citi Simplicity® Card
Upgrade Bitcoin Rewards
Capital One Venture X Rewards Credit Card
Spark 1.5% Cash Select
Chase Slate Edge℠
Amazon Prime Rewards Visa Signature Card
Wells Fargo Reflect® Card
World of Hyatt Business Credit Card
Chime Credit Builder Secured Visa® Credit Card
U.S. Bank Triple Cash Rewards Visa® Business Card
Alliant Visa® Platinum Credit Card
OakStone Gold Secured Mastercard®
OpenSky® Secured Visa® Credit Card
First Access Solid Black Visa® Credit Card
Milestone® Unsecured Mastercard®
Discover it® Secured Credit Card
Discover it® Student Cash Back Credit Card
Discover it® Student chrome
Amazon Business Card
Discover it® chrome Credit Card
Disney® Visa® Card from Chase
Discover it® Miles
NHL® Discover it®
Capital One Walmart Rewards® Mastercard®
Learn more about credit cards in general
sources
- Chase Bank. "Chase for Business: Ink Business Cash." Accessed December 21, 2021.
- Chase Bank. "Chase for Business: Ink Business Preferred." Accessed December 21, 2021.
- Chase Bank. "Ink Business Credit Cards." Accessed December 21, 2021.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.