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Chase Ink Business Preferred vs Chase Ink Business Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Ink Business Cash leads by 6.9 pts. Scores: Chase Ink Business Preferred 73.1%, Chase Ink Business Cash 80.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Ink Business Preferred nets $207/yr, Chase Ink Business Cash nets $356/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePreferred: 8.0 · Cash: 10.0
• Rewards ratePreferred: 5.0 · Cash: 6.0
• Sign-up bonusPreferred: 10 · Cash: 10
• Intro 0% APRPreferred: 0.0 · Cash: 5.7
• Regular APRPreferred: 8.2 · Cash: 9.3
• Foreign transaction feePreferred: 10.0 · Cash: n/a
• Regulatory record (CFPB)Preferred: 10.0 · Cash: 10.0

Downsides

• Chase Ink Business Preferred73.1%
  Chase · business
  Annual fee $95APR 17.99%–26.99% variableRewards 1% base; 3% travel (to $150,000/yr); 3% utilities (to $150,000/yr)Credit not found

  ⚠ $95 annual fee · 3x on travel, shipping, internet/cable/phone, ads (combined $150k/yr).

• Chase Ink Business Cash80.0%
  Chase · business
  Annual fee $0APR 16.99%–24.99% variableRewards 1% base; 5% utilities (to $25,000/yr); 2% dining (to $25,000/yr); 2% gas (to $25,000/yr)Credit not found

  ⚠ 5% on office supply + internet/cable/phone (combined $25k/yr); 2% gas+restaurants combined $25k/yr.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Chase Ink Business Preferred or Chase Ink Business Cash?

On VaultRubric's rubric: Chase Ink Business Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.