Ink Business Preferred® Credit Card vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to American Express Gold, a points card? Read our comparison chart below.

	Ink Business Preferred® Credit Card	American Express® Gold Card


	Credit Card Summary
	Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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 See Current Offer	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required. Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property. Choose the color that suits your style. Gold or Rose Gold. No Foreign Transaction Fees. Annual Fee is $250. Terms Apply. See Rates & Fees See Current Offer
	Credit Card Interest Rates & Fees
Purchase APR	21.24% to 26.24% Variable based on your creditworthiness and other factors	See Pay Over Time APR
Balance Transfers APR	21.24% to 26.24% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	$0	No foreign transaction fee
Annual Fee	$95 annual fee	$250 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
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	3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
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.	Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Grocery Rewards		Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Dining Rewards		Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
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.	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Credit Card Reviews

Pros & Cons	Pros: Earn 100,000 bonus points Earn 3 points per $1 in select business categories Protection benefits Airline transfer partners Cons: $95 annual fee No introductory APR	Pros: Welcome bonus 3x points for flights booked directly with airlines Cons: $250 annual fee
Bottom Line	Excellent credit card for the modern small business... Read full review	Good rewards card for cardholders who fly frequently or eat out... Read full review

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