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Chase Ink Business Preferred vs American Express Business Gold
The short answer
- The American Express Business Gold costs $280 more a year than the Chase Ink Business Preferred.
- At our point valuations the Chase Ink Business Preferred earns more on travel.
- The American Express Business Gold earns more on dining, gas.
- The American Express Business Gold has the bigger welcome offer: about $4,000 in value vs $2,000 for the Chase Ink Business Preferred.
Side by side
| Chase Ink Business Preferred | American Express Business Gold |
|---|
| Annual fee | $95 | $375 |
| Welcome offer | 100,000 after $8,000 in 3 months (≈ $2,000) | 200,000 after $15,000 in 3 months (≈ $4,000) |
| Earns on dining | 1x (≈ 2%) | 4x (≈ 8%) |
| Earns on groceries | 1x (≈ 2%) | 1x (≈ 2%) |
| Earns on travel | 3x (≈ 6%) | 1x (≈ 2%) |
| Earns on gas | 1x (≈ 2%) | 4x (≈ 8%) |
| Earns on everything else | 1x (≈ 2%) | 1x (≈ 2%) |
| Rewards | Chase Ultimate Rewards | Amex Membership Rewards |
| Network | Visa | Amex |
| KritScore | — | 61 |
| Highlights | Full Chase transfer partners · 3x travel, shipping, ads & internet · Cell phone protection · Free employee cards · No foreign transaction fees | 4x on your top two spend categories · $300 ChatGPT Business credit · Full MR transfer partners · $240 flexible business credit · No foreign transaction fees |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Chase Ink Business Preferred better than the American Express Business Gold?
The American Express Business Gold costs $280 more a year than the Chase Ink Business Preferred. At our point valuations the Chase Ink Business Preferred earns more on travel. The American Express Business Gold earns more on dining, gas. The American Express Business Gold has the bigger welcome offer: about $4,000 in value vs $2,000 for the Chase Ink Business Preferred.
What is the annual fee on the Chase Ink Business Preferred and the American Express Business Gold?
The Chase Ink Business Preferred: $95 a year. The American Express Business Gold: $375 a year.
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