Compare Cards: Chase Ink Business Preferred® Credit Card vs. Chase Ink Business Cash® Credit Card vs. American Express Business Gold Card

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Earning Rates	Chase Ink Business Preferred® Credit Card Chase business Details	Chase Ink Business Cash® Credit Card Chase businessno-annual-fee Details	American Express Business Gold Card American Express lounge-accesspremiumtransferable Details
First-year value Welcome offer + annual credits − annual fee	+$1,605	+$1,275	+$3,570.4
Annual Fee	$95	Waived	$375
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	$3	Waived
Welcome Offer	100,000 pts Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Spend $8,000 in 3 mo	75,000 pts Earn $750 cash back (75,000 Ultimate Rewards points) after you spend $6,000 on purchases in the first 3 months after account opening. Spend $6,000 in 3 mo	200,000 pts Earn 200,000 Membership Rewards points after spending $15,000 within 3 months of account opening. This is the highest available sign-up bonus for this card. Spend $15,000 in 3 mo
Network	visa	visa	amex
Earning Rates
Advertising (Social Media & Search Engines)	3× On the first $150,000 spent in combined purchases each account anniversary year	—	—
Default	1× On all other purchases	1× Unlimited 1% cash back on all other purchases	—
Flights	—	—	5× Booked directly with airlines
Gas Stations	—	2× On the first $25,000 spent in combined purchases each account anniversary year (combined with restaurants)	—
Hotels	—	—	5× On prepaid hotels
Internet, Cable & Phone Services	3× On the first $150,000 spent in combined purchases each account anniversary year	5× On the first $25,000 spent in combined purchases each account anniversary year	—
Lyft Rides	5× Through September 30, 2027	5× Through September 30, 2027	—
Office Supply Stores	—	5× On the first $25,000 spent in combined purchases each account anniversary year	—
Other	—	—	1×
Restaurants	—	2× On the first $25,000 spent in combined purchases each account anniversary year (combined with gas stations)	—
Shipping	3× On the first $150,000 spent in combined purchases each account anniversary year	—	—
Travel	3× On the first $150,000 spent in combined purchases each account anniversary year	—	—
Benefits & Credits	Other Benefits Points Transfer: Transfer points to leading airline and hotel frequent travel programs at 1:1 ratio Chase Travel: Book travel through Chase Travel for competitive rates and premium benefits DashPass: Complimentary access to DoorDash DashPass (activation required)	Other Benefits Employee Cards: Add employee cards at no additional cost Auto Credit Limit Increase: Automatically considered for a credit line increase every 6 months	Annual Credits Flexible Business Credit (FedEx / Grubhub / Office Supply) - $20/month ($240/yr) on US purchases at FedEx, Grubhub, or office supply stores Walmart+ Credit - Monthly Walmart+ membership credit (~$12 Squarespace Credit - $150/yr on US Squarespace purchases Hotel Status Marriott BonvoyGold Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts:
Insurance	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty	Trip Delay Secondary Purchase Protection Extended Warranty