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Compare the Features and Benefits of Chase Ink Business Cash® Credit Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Primary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Roadside Assistance
Travel and Emergency Assistance Services
0% Intro APR on Purchases
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Annual Statement Credits
Earns Transferable Points
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 12 months, 17.99%-25.99% thereafter)
Ongoing APR
17.99%-25.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Lyft
2x Gas Stations
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

For most small business owners, it makes sense to have all three Chase Ink credit cards: this card, the Chase Ink Business Cash® Credit Card, the Chase Ink Preferred®, and the Chase Ink Unlimited®.

They all complement each other perfectly. Once you have a the Chase Ink Preferred®, which allows you to transfer points to Chase’s great lineup of airline and hotel partners like World of Hyatt, you will want to get the Ink Cash and Ink Unlimited to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

The Ink Cash is a truly amazing card when it comes to bonus multipliers on select business categories. With 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year plus 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, you have tremendous bonus category multipliers on a no annual fee card.

restaurants-chase-ink-business-cash-credit-card

But the most important thing to know is that although this card says you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card.

Either way, you are earning Chase Ultimate Rewards points. But without one of the above cards, you can only redeem your points for 1 cent per point. Once you do have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card in your arsenal, though, you’ll be able to move your points from your Ink Cash to any of those three cards, where you can either transfer to airline and hotel partner programs or redeem through the Chase Ultimate Rewards portal where your points are worth 1.25 – 1.5 cents each, depending on which card you have. The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the much higher annual fee Sapphire Reserve gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

Even if you don’t “combo” your Ink Cash, those 5% and 2% bonus categories are exceptionally strong for business spending on a business credit card with no annual fees. And that large signup bonus doesn’t hurt either!

Overall, the Chase Ink Cash is one of my very favorite cards. I charge my cable, internet, and phone to the card and use it often at office supply stores, which sell a wide array of goods. I also use it for gas stations and dining as I like racking up Chase Ultimate Rewards points at a 2X bonus rate.

But keep in mind that it is at its most powerful when paired with a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card. To show you the difference, you know cash back means each point is worth a penny. But when you have it paired with one of these other cards to unlock points transfers, we value those points at 1.75 cents a piece – due to the flexibility of transfer partners and the potential redemptions those programs offer. So pairing your card boosts the rewards value, in our humble opinion, by 75%.

When using our spend calculator on this card, you’ll notice that we ask if you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card and, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a business card.


This card is also mentioned in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
0% Intro APR on Purchases
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Annual Statement Credits
no
Earns Transferable Points
no
Trip Protections
no
No Foreign Transaction Fees
no
Free Access to Credit Score
no
Annual Fee
$95
Avg. Min. Credit Score
670-850
APR on purchases
-
Ongoing APR
20.99%-27.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
LAST CHANCE: Ends by Nov 14, 2024: Get up to $1,050 in Chase Travel℠ value: Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Travel℠, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage (secondary for New York residence with their own vehicle insurance) means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2027.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
0% Intro APR on Purchases
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Annual Statement Credits
yes
Earns Transferable Points
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes

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