Ink Business Preferred Vs Ink Business Cash

So, you’re running a business, and you’re thinking about getting a business credit card. Great idea! It’s like giving your business a little financial superpower. But then you hit a wall: so many options! Today, we’re going to chat about two popular contenders from Chase: the Ink Business Preferred and the Ink Business Cash. Think of it like choosing between two awesome adventure buddies for your business journey. They’re both fantastic, but they have their own unique quirks and talents.

First up, let’s meet the Ink Business Preferred. This card is for the business owner who’s got a solid plan and is ready to conquer the world. It’s all about maximizing rewards on your biggest business expenses. Imagine this: you’re buying supplies, booking travel for that crucial client meeting, or even running ads to get the word out about your amazing products or services. With the Ink Business Preferred, you’re racking up 3X points on these purchases. That’s like a triple-threat bonus for your business spending! It’s seriously impressive.

What makes this card so special? Well, those 3X points aren’t just for any old thing. They’re specifically for your top business categories: shipping purchases, advertising purchases made with social media sites and search engines, and Internet, phone, and cable services. So, if your business heavily relies on these areas, this card is practically singing your name. Think of it as a high-five for all the hard work you’re putting into growing your brand and connecting with your customers. Plus, you get 100,000 bonus points after you spend $15,000 in the first 3 months. That’s a HUGE welcome gift! Those points can be redeemed for travel, cash back, or even statement credits. It’s like finding a treasure chest for your business!

Now, let’s switch gears and talk about the Ink Business Cash. This card is a bit more straightforward, and for many businesses, it’s a total game-changer. It’s all about simplicity and getting rewarded on everyday spending. If your business involves a lot of everyday purchases, this card is your trusty sidekick. You’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on Internet, phone, and cable services each account anniversary year. That’s a significant chunk of cash back right there!

What’s the magic behind the Ink Business Cash? It's that sweet 5% cash back! This applies to purchases at places like Staples or Office Depot for all your office needs, and also on your essential communication bills. Then, for everything else – all the other business purchases you make that don’t fall into those specific categories – you’ll earn a solid 1% cash back. It’s a really easy way to get money back on the things you’re already buying to keep your business running smoothly. And here’s a little secret: the Ink Business Cash also offers a welcome bonus. You can earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months. That’s a nice little boost to get your business momentum going!

Chase Ink Business Cash Card vs. Ink Business Preferred Card

So, how do you decide which one is your perfect match? It really depends on your business’s spending habits. If your business is all about advertising, shipping, and communication services, and you spend a good amount in those areas, the Ink Business Preferred is likely your winner. Those 3X points can add up super fast and give you some amazing redemption opportunities, especially when you pair them with other Chase Ultimate Rewards cards. It’s for the business owner who likes to strategize and get the most bang for their buck.

On the other hand, if your business is more about day-to-day operational expenses, like stocking up on office supplies and paying your regular phone and internet bills, the Ink Business Cash might be your ideal choice. That 5% cash back is incredibly valuable, and it’s straightforward to understand and use. It’s like a reliable friend who always has your back, giving you consistent rewards on essential purchases. Plus, the lower spending requirement for the welcome bonus on the Ink Business Cash makes it a bit more accessible for businesses that are just starting out or don’t have massive upfront expenses.

Ink Business Cash Card vs. Ink Business Preferred Card [2025]

Think of it this way: the Ink Business Preferred is like a sophisticated toolkit for a seasoned builder, offering specialized tools for big projects. The Ink Business Cash is more like a high-quality, everyday multi-tool – essential for a wide range of tasks and incredibly reliable.

Both cards come with the peace of mind that comes with being part of the Chase family. They offer robust fraud protection and online tools to help you manage your spending. It’s not just about the rewards; it’s about having a secure and efficient way to handle your business finances.

Ultimately, the best card for you is the one that aligns with how you spend money in your business. Take a peek at your last few months of business expenses. Where is your money going? Are you hitting up office supply stores like a pro? Are you constantly investing in ads? Are your shipping costs a big factor? Once you have a clear picture, the choice becomes much easier. Either way, you’re getting a fantastic business credit card that can help you save money and earn valuable rewards. So, go ahead, take a closer look. Your business might just thank you for it!