Is Ink Business Cash® Credit Card better than Ink Business Preferred® Credit Card?

Deciding on which card is better requires you to consider your situation and needs. If you’re looking for a business credit card that will help you earn rewards for everyday business expenses, then the Ink Business Cash is for you. However, if you travel often for business and have high business expenses, the Ink Business Preferred is the better choice.

Can you get the Ink Business Cash® Credit Card if you have the Ink Business Preferred® Credit Card?

Yes, if you think that both cards are beneficial to you, then you can apply for both of them. However, keep in mind the Chase 5/24 rule, which disallows anyone to be approved for a Chase credit card if you’ve been approved for five or more cards in the last 24 months.

Can you transfer points from the Ink Business Cash® Credit Card to the Ink Business Preferred® Credit Card?

Yes, simply set up your cards under one business log-in. Log into your Ultimate Rewards account and select Ink Business Cash. You will see the **combine points** tab on the next page. Select the Ink Business Cash for the **from field** and transfer the points to your Ink Business Preferred.

Can you switch from the Ink Business Cash® Credit Card to Ink Business Preferred® Credit Card?

Yes, you can upgrade your Ink Business Cash® Credit Card to the Ink Business Preferred card after a year. However, your upgrade application will be reviewed. So, a product change is not guaranteed.

Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card: Which Is Best for You?

Q: What’s harder to get, the Ink Business Cash® Credit Card or Ink Business Preferred® Credit Card?

Generally, it is easier to get approval for the Ink Business Cash Card. It is possible to get instant approval if you’re qualified for it. The approval process may last for 10 days if there is a delay. On the other hand, there is no pre-approval for Ink Business Preferred Card. The approval process usually takes up to 15 days.

Q: How much do you have to spend for the Ink Business Cash® Credit Card vs Ink Business Preferred® Credit Card to get the welcome bonus?

Ink Business Cash® Credit Card has a welcome bonus of $750 cash back. To get this, you will have to spend $7,500 within the first three months after opening the account. Meanwhile, the welcome bonus for Ink Business Preferred cardholders is 100,000 points. However, you need to spend $15,000 on purchases within the first three months after opening the account.

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.

Advertising & Editorial DisclosureLast Updated: 11/21/2022

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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.

OUR COMPARISON AT A GLANCE

Comparison Overview
Ink Business Cash® Credit Card at a Glance
Ink Business Preferred® Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card

Ink Business Cash® Credit Card
Ink Business Preferred® Credit Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent
Good–Excellent

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
Pros
Generous introductory cash back and APR offers
No annual fees
Free employee cards
Redeem points for cash, travel, gift cards and more
Points don't expire for the life of the account
Purchase and travel protection

Cons
Foreign transaction fees
Balance transfer and cash advance fees
Spending cap on cash back categories
Earn a $900 cash back bonus if you spend $6,000 on purchases in the first three months.
Benefit through a 0% intro APR offer for the first 12 months, then variable APR 17.49% – 23.49% after that.
Pay no annual fees for as long as your account remains active.
Earn 5% cash back on the first $25,000 you spend on purchases at office supply stores, as well as on internet, cable and phone services every year.
Earn 2% cash back on the first $25,000 you spend on purchases at restaurants and gas stations every year.
Earn 1% cash back on all other purchases.
Your rewards remain valid for as long as you keep using your card.
Set individual spending limits for employee cards.
All cardholders get access to extended warranty, purchase protection, baggage insurance, car rental loss and damage insurance and roadside dispatch.
Fraud protection safeguards you against fraudulent transactions.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated business credit cards.

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
Pros
Earn 3X points per $1 on the first $150,000 you spend in a year across different categories
Earn 1X points per $1 across all other categories
Earn unlimited reward points that don't expire
Redeem points for cash back, travel, gift cards and more
No foreign transaction fees
Purchase and travel coverage benefits

Cons
Annual fees
Cash advance and balance transfer fees
A late payment can lead to a penalty APR
Earn a sizable welcome offer by meeting spend-based requirements.
Earn 3X points on the first $150,000 spent on travel; internet, cable and phone services; advertising purchases made online and shipping purchases.
All other purchases come with 1X points
Redeem reward points in the form of cash back, as 1:1 points transfer to an airline or hotel travel partner, to buy gift cards, to cover travel expenses or to shop at the Chase Ultimate Rewards Store.
Pay no foreign transaction fees anywhere in the world.
Setting individual spending limits for employee cards is easy.
Stand to benefit through different complimentary coverage benefits, such as purchase protection, extended warranty protection, cell phone protection, auto rental collision damage waiver, roadside dispatch and trip cancellation/trip interruption insurance.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated travel rewards cards.

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 Detail
Comparison 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

EXPERT OPINION

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.

View All Credit Cards

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.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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.
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