Chase Ink Business Preferred vs Amex Blue Cash Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Chase Ink Business Preferred wins 2-1. US-incorporated startups — best welcome bonus in the business-card space. Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..
Side-by-side
| Criterion | Chase Ink Business Preferred | Amex Blue Cash Preferred |
|---|---|---|
| Annual fee | = $95 | = $95 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (travel) | 6% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) | = $250 statement credit after $3,000 in 6 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
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
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
FAQ
›Chase Ink Business Preferred vs Amex Blue Cash Preferred: which is better?
Chase Ink Business Preferred 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 Chase Ink Business Preferred for its best categories, Amex Blue Cash Preferred for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel). Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months.