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Chase Ink Business Cash vs Ink Business Preferred

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Ink Business Preferred 2.1% 1x base rate
  2. Ink Business Cash 1.0% 1% base rate

Phone & internet

  1. Ink Business Preferred 6.2% 3x
  2. Ink Business Cash 5.0% 5%

Shipping

  1. Ink Business Preferred 6.2% 3x
  2. Ink Business Cash 1.0% 1% base rate

Advertising

  1. Ink Business Preferred 6.2% 3x
  2. Ink Business Cash 1.0% 1% base rate

Flights

  1. Ink Business Preferred 6.2% 3x
  2. Ink Business Cash 1.0% 1% base rate

Hotels

  1. Ink Business Preferred 6.2% 3x
  2. Ink Business Cash 1.0% 1% base rate

Lyft

  1. Ink Business Preferred 10.3% 5x
  2. Ink Business Cash 5.0% 5%

What the numbers are doing

Ink Business Preferred tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Ink Business Cash wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Cash $0 and Ink Business Preferred $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Preferred takes everything else, phone & internet, shipping and advertising, plus 3 more. Ink Business Cash wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
Phone & internetInk Business Preferred6.2%
ShippingInk Business Preferred6.2%
AdvertisingInk Business Preferred6.2%
FlightsInk Business Preferred6.2%
HotelsInk Business Preferred6.2%
LyftInk Business Preferred10.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Ink Business Preferred — 2.1%
  2. Ink Business Cash — 1.0%

Phone & internet

  1. Ink Business Preferred — 6.2%
  2. Ink Business Cash — 5.0%

Shipping

  1. Ink Business Preferred — 6.2%
  2. Ink Business Cash — 1.0%

Advertising

  1. Ink Business Preferred — 6.2%
  2. Ink Business Cash — 1.0%

Flights

  1. Ink Business Preferred — 6.2%
  2. Ink Business Cash — 1.0%

Hotels

  1. Ink Business Preferred — 6.2%
  2. Ink Business Cash — 1.0%

Lyft

  1. Ink Business Preferred — 10.3%
  2. Ink Business Cash — 5.0%
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