Ink Business Cash vs Ink Business Preferred

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Ink Business Cash

Chase

Ink Business Preferred

Chase

Economics

Annual fee

$95/yr less

$95

Ongoing annual value

$321

$121/yr more

$200

Net value (value − fee)

$321

$216/yr more

$105

First-year value estimate

$1,372

$95/yr more

$1,277

Foreign transaction fee

None

Authorized user fee

—

Sign-up Bonus

Current offer

$1K (*awarded as 100,000 points) after $8k spend in the first 4 months

100K after $8K spend in the first 3 months

Earning

Cable

5X7.5%

—

Internet

5X7.5%

—

Office supply stores

5X7.5%

—

Phone services

5X7.5%

—

Cable (up to $150K per year)

—

3X4.5%

Internet (up to $150K per year)

—

3X4.5%

Phone services (up to $150K per year)

—

3X4.5%

Shipping (up to $150K per year)

—

3X4.5%

Social media and search engine advertising (up to $150K per year)

—

3X4.5%

Travel (up to $150K per year)

—

3X4.5%

Dining

2X3%

—

Gas Stations

2X3%

—

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

Instacart: $20 (Monthly)

—

Lounge access

—

Elite status

—

Protections

The same on both cards (6)

Issuer

Chase

Rewards currency

Chase Ultimate Rewards

Card type

Business

Network

Visa

All other purchases

1X1.5%

Lyft (through 9/30/2027)

5X7.5%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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