Bank of America Travel Rewards vs Chase Ink Business Preferred
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 Preferred |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 25,000 online bonus points after $1,000 in first 90 days (~$250 travel) | = 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 | = 700 | = 700 |
| Editorial rating | · 4.3/5 | 4.7/5 |
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 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
›Bank of America Travel Rewards vs Chase Ink Business Preferred: 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 Preferred 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 Preferred 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 Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel).