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Ink Business Preferred® Credit Card vs Ink Business Cash℠ Credit Card

Do you need a card to grow your business or to sustain?

Updated

Fact checked

The winner: Ink Business Preferred® Credit Card

100,000-point

Signup bonus after spending $15,000 in first 3 months

  • Huge signup bonus worth $1,250 through Chase Ultimate Rewards
  • Earn 3x points on travel and popular business categories on up to $150,000 each year
  • 1x points on everything else
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The Ink Business Preferred® Credit Card offers 100,000 points for spending $15,000 in your first 3 months of account opening, and 3x points on the first $150,000 you spend on travel annually, with 1x points after that and on all other purchases. The Ink Business Cash℠ Credit Card, on the other hand, offers $750 cash back after you spend $7,500 in your first 3 months and 5% back on up to $25,000 in categories useful to a burgeoning business, such as internet, cable and phone services.

Learn more about these two cards in the table below.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Rates & Fees

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.5 / 5.0
Best for
Best for
  • Strong rewards on business spending categories
  • Business cash back with no annual fee
Welcome offer
Welcome offer

100,000 points after spending $15,000 in the first 3 months

$750 cash back after spending $7,500 in the first 3 months

Rewards
Rewards

3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases

5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases

Purchase APR
Purchase APR

15.99% to 20.99% variable

0% intro APR for 12 months, and then 13.24% to 19.24% variable

Annual fee
Annual fee $95 $0
Balance transfer APR
Balance transfer APR 15.99% to 20.99% variable 13.24% to 19.24% variable
Cash advance
Cash advance

APR: 24.99% variable

Fee: $15 or 5% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $15 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None 3% of each transaction
Late payment fee
Late payment fee $39 $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 20 days 20 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
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Compare Ink Business Preferred® Credit Card vs. Ink Business Cash℠ Credit Card

Data updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
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