Apple Card vs Chase Ink Business Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Apple Card wins 2-1. Apple ecosystem users — daily cashback, instant in Wallet. Chase Ink Business Preferred is still the right call if us-incorporated startups — best welcome bonus in the business-card space..
Side-by-side
| Criterion | Apple Card | Chase Ink Business Preferred |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | = 3% (shopping) | = 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus — daily cashback model | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 660 | · 700 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
Chase Ink Business Preferred
- 3x points on travel + shipping + advertising + telecom (first $150K/year)
- 1x on everything else
- No foreign transaction fees
- Cell phone protection up to $1,000/claim
- Transferable to airline + hotel partners 1:1
- Employee cards at no cost
FAQ
›Apple Card vs Chase Ink Business Preferred: which is better?
Apple Card wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Apple Card for its best categories, Chase Ink Business Preferred for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Apple Card: No welcome bonus — daily cashback model. Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel).