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

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Ink Business Cash from Chase, a business and cash back card? Read our comparison chart below.

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

 Chase Sapphire Preferred CardInk Business Cash Credit Card
 Apply NowApply Now
 

Chase Sapphire Preferred® Card

Ink Business Cash® Credit Card

 

Credit Card Summary

 
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 12 months
Purchase APR17.49% to 24.49% Variable based on your creditworthiness and other factors14.74% to 20.74% Variable based on your creditworthiness and other factors
Balance Transfers APR17.49% to 24.49% Variable based on your creditworthiness and other factors14.74% to 20.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$03% of each transaction in U.S. dollars
Annual Fee$95 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Introductory Bonus OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. 
Cash Back Rewards 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.
Travel Rewards5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Bonus Hotel Rewards$50 annual Ultimate Rewards Hotel Credit 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point Rewards5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Earn 1 point per dollar spent on all other purchases. 
Gas Rewards Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Dining Rewards3X points on diningEarn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Airline Transfer PartnersChase 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

 Chase Sapphire Preferred CardInk Business Cash Credit Card
Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • No intro APR
Pros:
  • Earn $750 bonus cash back
  • Gas and dining rewards
Cons:
  • 2% cash back on gas and dining only on first $25,000
  • Foreign transaction fee
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewExcellent cash back rewards card for 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.


Articles on Chase Sapphire Preferred® Card

Chase Sapphire Preferred

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

Credit Score for Chase Sapphire

Chase Sapphire Preferred usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.

Articles on Ink Business Cash® Credit Card

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?

Chase Ink Cash Credit Score

Chase Ink Business Cash usually requires a very good credit score (700+). But this is not the only deciding factor. Find out how to improve your odds.

Which Do You Like and Why?





Compare Chase Sapphire Preferred to:

Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
18.49% - 25.49% Variable
Annual Fee
$550
American Express Gold

American Express® Gold Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
18.24% - 25.24% Variable
Annual Fee
$250
American Express Platinum

The Platinum Card® from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$695

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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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