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

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Cash is an excellent cash back rewards card for small business. How does it compare to Ink Business Preferred from Chase? Read our comparison chart below.

Keep in mind, the Ink Business Cash has a $0 annual fee, while the Ink Business Preferred has a $95 annual fee.

 Ink Business Cash Credit CardInk Business Preferred Credit Card
 Apply NowApply Now
 

Ink Business Cash® Credit Card

Ink Business Preferred® Credit Card

 

Credit Card Summary

 
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 12 monthsN/A
Purchase APR18.49% to 24.49% Variable based on your creditworthiness and other factors21.24% to 26.24% Variable based on your creditworthiness and other factors
Balance Transfers APR18.49% to 24.49% Variable based on your creditworthiness and other factors21.24% to 26.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollars$0
Annual Fee$0 annual fee$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 
Introductory Bonus Offer Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Cash Back RewardsEarn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on all other purchases.
 
Bonus Cash Back10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary 
Travel Rewards Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases.
Gas RewardsEarn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. 
Dining RewardsEarn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. 
Airline Transfer Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Ink Business Cash Credit CardInk Business Preferred Credit Card
Pros & ConsPros:
  • Earn bonus cash back
  • Gas and dining rewards
Cons:
  • 2% cash back on gas and dining only on first $25,000
  • Foreign transaction fee
Pros:
  • Earn 90,000 bonus points
  • Earn 3 points per $1 in select business categories
  • Protection benefits
  • Airline transfer partners
Cons:
  • $95 annual fee
  • No introductory APR
Bottom LineExcellent cash back rewards card for small business... Read full reviewExcellent credit card for the modern small business... Read full review
 Apply NowApply Now

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase.

Which is Better: Ink Business Cash or Ink Business Preferred?

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Ink Business Cash or Ink Business Unlimited.


Articles on Ink Business Cash® Credit Card

Chase Ink Business Cash Review

Read this in-depth Ink Business Cash® review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?

Articles on Ink Business Preferred® Credit Card

Chase Ink Preferred

Looking for a new business credit card? Ink Business Preferred® offers more than a sign up bonus. Read this review to see if the benefits are worth it.

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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