Two different jobs in Chase's Ink lineup. The Ink Business Preferred ($95) earns 3x on travel, shipping, internet/cable/phone, and advertising (up to $150,000/yr) and its points transfer to airline and hotel partners for real travel value. The Ink Business Cash ($0) earns 5% at office supply stores and on telecom (up to $25,000/yr) and is built for straightforward category cash back. Pick by whether you'll use the travel-transfer value or just want no-fee rewards.
Scored against our published methodology · Updated July 26, 2026
Take the 60-second quizSmall business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) — the 3x category at $150k cap annually transfers to United at our 1.5 cpp benchmark for real value. Chase cut Ultimate Rewards → Hyatt transfers from 1:1 to 4:3 for this card (June 2026); United remains 1:1.
Find your matchSmall businesses with real office-supply and telecom spend. The 5% back at office supply stores and on internet, cable, and phone services (first $25,000 combined per year) is the best $0-fee business earn rate for that spend profile — and the points are Ultimate Rewards when paired with a premium Chase card.
Find your matchBest for — by the numbers
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed July 26, 2026. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering.
| Spec | Chase Ink Business Preferred | Chase Ink Business Cash |
|---|---|---|
| Annual fee | $95 | $0 |
| 0% intro APR period | None | 12 months |
| Ongoing APR (from) | 17.74% | 16.74% |
| Foreign transaction fee | None | 3% |
| Rewards score | 17/20 | 16/20 |
| Fee-structure score | 16/20 | 20/20 |
| ClearValue score | 83/100 | 85/100 |
| Balance transfer fee | $5 or 5% | $5 or 5% |
| Late fee | Up to $40 | Up to $40 |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" would misrepresent the data.
Tap the spec you care about — we'll show which card leads on it.
For Annual fee, the Chase Ink Business Cash leads ($0).
Businesses spending $5,000+/yr on travel, shipping, or advertising that will redeem points for travel
The 3x categories cover a broad $150,000 annual bucket, and the points are worth 1.25 cpp in the Chase travel portal — or more when transferred to Hyatt or United at sweet-spot rates. If your P&L has real travel and ad spend, the $95 fee pays for itself several times over.
See your matchesBusinesses with office-supply and telecom spend that want rewards with no annual fee
5% at office supply stores and on internet, cable, and phone services (first $25,000 combined per year) is the best $0-fee earn rate for that spend profile. The rewards are Ultimate Rewards points — worth 1 cpp as cash, and 1.5+ cpp only if you also hold a Preferred or Sapphire to transfer through.
See your matchesBusinesses whose spend doesn't concentrate in either card's categories — a flat-rate business card returns more on general spend. Note the split on travel too: the Ink Cash carries a 3% foreign transaction fee, while the Preferred charges none.
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Take the 60-second quizAnnual fee
Chase Ink Business Preferred: $95
Chase Ink Business Cash: $0
Top earn categories
Chase Ink Business Preferred: 3x on travel, shipping, internet/cable/phone, and advertising (up to $150,000/yr)
Chase Ink Business Cash: 5% at office supply stores and on internet/cable/phone (up to $25,000/yr combined); 2% at gas and dining (up to $25,000/yr)
Points value
Chase Ink Business Preferred: 1.25 cpp in the Chase travel portal; more via Hyatt/United transfers
Chase Ink Business Cash: 1 cpp as cash; 1.5+ cpp only if paired with a Preferred or Sapphire to transfer
Travel redemption
Chase Ink Business Preferred: Transfers to airline and hotel partners
Chase Ink Business Cash: No transfer partners on its own — needs a premium Chase card
Foreign transaction fee
Chase Ink Business Preferred: None
Chase Ink Business Cash: 3%
Intro APR
Chase Ink Business Preferred: None
Chase Ink Business Cash: 0% on purchases for 12 months, then 16.74% – 24.74% variable
Honest knock
Chase Ink Business Preferred: The categories are narrowly defined — audit your P&L against them before the $95 pencils out
Chase Ink Business Cash: The 5% is capped at $25,000/yr combined, then drops to 1% — and it's a poor abroad card at 3% FX
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Chase Ink Business Preferred scores 83/100 (Solid pick) and the Chase Ink Business Cash scores 85/100 (Solid pick). Businesses spending $5,000+/yr on travel, shipping, or advertising that will redeem points for travel should lean Chase Ink Business Preferred; businesses with office-supply and telecom spend that want rewards with no annual fee should lean Chase Ink Business Cash. Take the 60-second quiz to see which fits your profile.
The Chase Ink Business Preferred carries $95, sourced from the issuer's published Schumer Box as of July 26, 2026. The Chase Ink Business Cash carries $0 (no annual fee), as of July 16, 2026. Fees change — confirm the current number at the issuer before you decide.
For purchases outside the U.S., the Chase Ink Business Preferred is the cleaner pick — it charges no foreign transaction fee, versus 3% on the Chase Ink Business Cash.
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Chase Ink Business Preferred earned 83/100 and the Chase Ink Business Cash earned 85/100. Scoring follows our published methodology and is never influenced by compensation.
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.
