$95/yrChase Ultimate RewardsNo foreign feeVisaUsually needs 670+
View issuer offerComparison brief
Chase Ink Business Preferred vs. Ink Business Cash
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Ink Preferred earns 3x on travel, shipping, social media and search-engine advertising, and internet, cable, and phone services on a combined $150,000 annual cap; streaming is not included. Ink Cash has a separate $25,000 annual cap for 5% office supply/internet/cable/phone spend and a second $25,000 cap for 2% gas and restaurant spend.
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Overview
No annual feeChase Ultimate Rewards3% 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
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Flights outside issuer portals
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Hilton Properties
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Hotels outside issuer portals
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Hyatt Properties
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
IHG Properties
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Internet / cable
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Marriott Properties
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Other travel outside issuer portals
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Shipping Services
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Social / Search Ads
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Southwest Airfare
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Transit
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Travel - Car Rentals / Agencies / Cruises
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Travel - Vacation Homes
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
United Airfare
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Wireless / cell phone
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Everything else
- Chase Ink Business Preferred
- 1x
- Chase Ink Business Cash
- 1x
| Category | Chase Ink Business Preferred | Chase Ink Business Cash |
|---|---|---|
| Delta Airfare | 3xHighest | 1x |
| Flights outside issuer portals | 3xHighest | 1x |
| Hilton Properties | 3xHighest | 1x |
| Hotels outside issuer portals | 3xHighest | 1x |
| Hyatt Properties | 3xHighest | 1x |
| IHG Properties | 3xHighest | 1x |
| Internet / cable | 3xHighest | 1x |
| Marriott Properties | 3xHighest | 1x |
| Other travel outside issuer portals | 3xHighest | 1x |
| Shipping Services | 3xHighest | 1x |
| Social / Search Ads | 3xHighest | 1x |
| Southwest Airfare | 3xHighest | 1x |
| Transit | 3xHighest | 1x |
| Travel - Car Rentals / Agencies / Cruises | 3xHighest | 1x |
| Travel - Vacation Homes | 3xHighest | 1x |
| United Airfare | 3xHighest | 1x |
| Wireless / cell phone | 3xHighest | 1x |
| Everything else | 1x | 1x |
Issuer travel portals 8 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Amex Travel - Flights
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Amex Travel - Hotels
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Bilt Travel - Flights
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Bilt Travel - Hotels
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Chase Travel - Flights
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Chase Travel - Hotels
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
Chase Travel - Rental Cars / Activities
- Chase Ink Business Preferred
- 3xHighest
- Chase Ink Business Cash
- 1x
| Category | Chase Ink Business Preferred | Chase Ink Business Cash |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 3xHighest | 1x |
| Amex Travel - Flights | 3xHighest | 1x |
| Amex Travel - Hotels | 3xHighest | 1x |
| Bilt Travel - Flights | 3xHighest | 1x |
| Bilt Travel - Hotels | 3xHighest | 1x |
| Chase Travel - Flights | 3xHighest | 1x |
| Chase Travel - Hotels | 3xHighest | 1x |
| Chase Travel - Rental Cars / Activities | 3xHighest | 1x |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
DashPass Membership
- Chase Ink Business Preferred
- $0/yr estimated usableUp to $120/yrConditional
- Chase Ink Business Cash
- —
Instacart+ Membership
- Chase Ink Business Preferred
- —
- Chase Ink Business Cash
- $0/yr estimated usableUp to $240/yrConditional
Estimated usable credit value
- Chase Ink Business Preferred
- $0/yr
- Chase Ink Business Cash
- $0/yr
Maximum face value
- Chase Ink Business Preferred
- $120/yr
- Chase Ink Business Cash
- $240/yr
| Credit | Chase Ink Business Preferred | Chase Ink Business Cash |
|---|---|---|
| DashPass Membership | $0/yr estimated usable Up to $120/yr Conditional | — |
| Instacart+ Membership | — | $0/yr estimated usable Up to $240/yr Conditional |
| Estimated usable credit value | $0/yr | $0/yr |
| Maximum face value | $120/yr | $240/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.
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