Bank of America Travel Rewards vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Bank of America Travel Rewards | Chase Ink Business Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 25,000 online bonus points after $1,000 in first 90 days (~$250 travel) | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | · 4.3/5 | 4.6/5 |
Benefits compared
Bank of America Travel Rewards
- 1.5x points on every purchase
- Up to 75% bonus for Preferred Rewards clients (1.5x → 2.625x)
- Points redeem against any travel purchase, no blackout dates
- No foreign transaction fees
- No annual fee
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Bank of America Travel Rewards vs Chase Ink Business Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Bank of America Travel Rewards wins on 2 criteria, Chase Ink Business Cash on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Bank of America Travel Rewards for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Bank of America Travel Rewards: 25,000 online bonus points after $1,000 in first 90 days (~$250 travel). Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.