American Express® Gold Card vs. Chase Ink Business Preferred®
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →
Chase Ink Business Preferred®
Chase
4.8
100,000-point bonus. 3x on travel, shipping, advertising.
Full review →WealthSpott Verdict
Chase Ink Business Preferred® wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Chase Ink Business
Annual Fee
$250/yr
$95/yr Best
Sign-up Bonus
60,000 points
100,000 points
Rewards Rate
1x-4x
1x-3x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
See terms
21.24%-26.24% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Chase Ink Business Preferred®
Pros
- 100,000-point bonus worth $1,250+ in travel
- 3x on travel, shipping, and advertising
- Points transfer to airline and hotel partners
- No foreign transaction fees
Cons
- $8,000 minimum spend for bonus
- Requires a business (sole proprietor OK)
- $95 annual fee
Not sure which card is right for you?
Browse all credit cards