Chase Ink Business Preferred® vs. American Express® Business Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Ink Business Preferred®
Chase
4.8
100,000-point bonus. 3x on travel, shipping, advertising.
Full review →
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →WealthSpott Verdict
Chase Ink Business Preferred® and American Express® Business Gold Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Chase Ink Business
American Express® Business
Annual Fee
$95/yr Best
$375/yr
Sign-up Bonus
100,000 points
100,000 points
Rewards Rate
1x-3x
1x-4x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
21.24%-26.24% Variable
19.49%-27.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
670-850
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
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
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