$375/yrAmex Membership RewardsNo foreign feeAmexUsually needs 670+
View issuer offerComparison brief
Amex Business Gold vs. Chase Ink Business Preferred
Browse all comparisons
Business Gold auto-selects the top two monthly categories from six eligible families: advertising media, electronics/software/cloud providers, restaurants, gas, transit, and wireless phone service. It earns 4x on those categories up to a combined $150,000 per calendar year; Ink Preferred earns fixed 3x on travel (including local transit), shipping, social/search advertising, and internet/cable/phone services, with streaming excluded.
2/4 selected
Ready
Overview
$95/yrChase Ultimate RewardsNo foreign feeVisaUsually needs 670+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Delta Airfare
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Flights outside issuer portals
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Hilton Properties
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Hotels outside issuer portals
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Hyatt Properties
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
IHG Properties
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Internet / cable
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Marriott Properties
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Other travel outside issuer portals
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Shipping Services
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Social / Search Ads
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Southwest Airfare
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Transit
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Travel - Car Rentals / Agencies / Cruises
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Travel - Vacation Homes
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
United Airfare
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Wireless / cell phone
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Everything else
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 1x
| Category | Amex Business Gold | Chase Ink Business Preferred |
|---|---|---|
| Delta Airfare | 1x | 3x |
| Flights outside issuer portals | 1x | 3x |
| Hilton Properties | 1x | 3x |
| Hotels outside issuer portals | 1x | 3x |
| Hyatt Properties | 1x | 3x |
| IHG Properties | 1x | 3x |
| Internet / cable | 1x | 3x |
| Marriott Properties | 1x | 3x |
| Other travel outside issuer portals | 1x | 3x |
| Shipping Services | 1x | 3x |
| Social / Search Ads | 1x | 3x |
| Southwest Airfare | 1x | 3x |
| Transit | 1x | 3x |
| Travel - Car Rentals / Agencies / Cruises | 1x | 3x |
| Travel - Vacation Homes | 1x | 3x |
| United Airfare | 1x | 3x |
| Wireless / cell phone | 1x | 3x |
| Everything else | 1x | 1x |
Issuer travel portals 8 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Amex Travel - Flights
- Amex Business Gold
- 3x
- Chase Ink Business Preferred
- 3x
Amex Travel - Hotels
- Amex Business Gold
- 3x
- Chase Ink Business Preferred
- 3x
Bilt Travel - Flights
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Bilt Travel - Hotels
- Amex Business Gold
- 1x
- Chase Ink Business Preferred
- 3x
Chase Travel - Flights
- Amex Business Gold
- —
- Chase Ink Business Preferred
- 3x
Chase Travel - Hotels
- Amex Business Gold
- —
- Chase Ink Business Preferred
- 3x
Chase Travel - Rental Cars / Activities
- Amex Business Gold
- —
- Chase Ink Business Preferred
- 3x
| Category | Amex Business Gold | Chase Ink Business Preferred |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 1x | 3x |
| Amex Travel - Flights | 3x | 3x |
| Amex Travel - Hotels | 3x | 3x |
| Bilt Travel - Flights | 1x | 3x |
| Bilt Travel - Hotels | 1x | 3x |
| Chase Travel - Flights | — | 3x |
| Chase Travel - Hotels | — | 3x |
| Chase Travel - Rental Cars / Activities | — | 3x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Grubhub/Office Supply/UPS Credit
- Amex Business Gold
- $120/yr estimated usableUp to $240/yrConditional
- Chase Ink Business Preferred
- —
ChatGPT Business Credit
- Amex Business Gold
- $0/yr estimated usableUp to $300/yrConditional
- Chase Ink Business Preferred
- —
Squarespace Credit
- Amex Business Gold
- $0/yr estimated usableUp to $150/yrConditional
- Chase Ink Business Preferred
- —
Walmart+ Membership Credit
- Amex Business Gold
- $0/yr estimated usableUp to $155/yrConditional
- Chase Ink Business Preferred
- —
The Hotel Collection Credit
- Amex Business Gold
- $0/yr estimated usableUp to $100/yrConditional
- Chase Ink Business Preferred
- —
DashPass Membership
- Amex Business Gold
- —
- Chase Ink Business Preferred
- $0/yr estimated usableUp to $120/yrConditional
Estimated usable credit value
- Amex Business Gold
- $120/yr
- Chase Ink Business Preferred
- $0/yr
Maximum face value
- Amex Business Gold
- $945/yr
- Chase Ink Business Preferred
- $120/yr
| Credit | Amex Business Gold | Chase Ink Business Preferred |
|---|---|---|
| Grubhub/Office Supply/UPS Credit | $120/yr estimated usable Up to $240/yr Conditional | — |
| ChatGPT Business Credit | $0/yr estimated usable Up to $300/yr Conditional | — |
| Squarespace Credit | $0/yr estimated usable Up to $150/yr Conditional | — |
| Walmart+ Membership Credit | $0/yr estimated usable Up to $155/yr Conditional | — |
| The Hotel Collection Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| DashPass Membership | — | $0/yr estimated usable Up to $120/yr Conditional |
| Estimated usable credit value | $120/yr | $0/yr |
| Maximum face value | $945/yr | $120/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
Run the optimizer — free