Should You Get Chase Ink Business Preferred, or Chase Ink Business Cash?

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As many of our readers may know, Chase has two kinds of business credit cards to earn Ultimate Rewards points: Chase Ink Business Preferred (click me) and Chase Ink Business Cash (click me). Lots of our readers have always asked one question: Which one should I get? Therefore, I think it's time to write this blog post to help you decide which one to choose.

Welcome Offer

Since these two cards are business credit cards, which means only people with legal and unlimited employment status in the United States could apply for it, I would highly suggest that you apply for those only if you are US permanent resident (green card holder) or US citizen, so you won't violate the regulations of your immigration status. Also, these two cards are subjected to Chase's notorious “5/24 rule”. Simply speaking, If you have been approved more than 5 credit cards in 24 months from ANY banks, you won't be able to be approved for these two cards. These two cards have very compelling sign-up bonus:

If you want to get higher welcome offer, Chase Ink Business Preferred card may be a better choice.

Spending Bonus

These two cards have different bonus spending categories. Therefore, it really depends on your business spending when it comes to choose the right credit card. Here are the spending categories for these two cards:

  1. 3x points on the first $150,000 spent in combined purchase each account anniversary at travel, shipping, advertising, internet, cable & phone services.
  2. 1x Points for all other purchases.
  1. Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores, internet, cable and phone services.
  2. Earn 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants.

As you can see, some of the bonus spending categories of these two credit cards are overlapped, and some of those are different. However, if you usually have lots of spending in office supply stores, including purchasing gift cards for regular uses such as gifts for your employees/vendors, you may choose to get Chase Ink Business Cash to earn more cash back.


One of the greatest benefits of Chase Ink Business Preferred card which I think is better than Chase Ink Business Cash card is the cell phone insurance. If you use this card to pay for the monthly cell phone bills, you are eligible to be covered by this insurance, which means you can get up to $600 per claim in cell phone protection against theft or damage for you and your employees listed on your monthly cell phone bill. You are limited to three claims in a 12 month period, with a $100 deductible per claim.


Chase Ink Business Preferred card has $95 annual fee, but there is no foreign transaction fee if you need to use it outside of US. Chase Ink Business Cash card has no annual fee, but you are subjected to 3% foreign transaction fee if you use this card abroad. Therefore, depending on you oversea travel frequency, you need to choose/use the right card for the spending.


I think you should try your best to apply for both of these two cards if possible. However, if you need to choose one card to start, Chase Ink Business Preferred card will be great because of its cell phone insurance. If you have lots of spending at office supply stores, internet, cable and phone services office, Chase Ink Cash may be better for you.

Thank you for supporting TripPlus! Please check here to compare these cards with other business credit cards.

Editorial Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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