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American Express Business Gold Card vs Chase Ink Business Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | American Express Business Gold CardAmerican Express | Chase Ink Business PreferredChase |
|---|---|---|
| Rating | 4.4/5 | 4.7/5 |
| Annual Fee | $375 | $95 |
| APR | 19.49% - 28.49% | 17.74% - 26.74% |
| Signup Bonus | 100,000 points after spending $15,000 in 3 months | 100,000 points after spending $8,000 in 3 months |
| Rewards Rate | 4X on the 2 categories where your business spends the most each month (up to $150K/yr combined), 1X on everything else | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else |
| Credit Score | good | good |
| Pros | 4X on your top 2 business spend categories automatically each month 100,000 MR point bonus transfers to airlines and hotels at 2cpp+ 25% airline bonus when you book through Amex Travel | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards |
| Cons | $375 annual fee with no offsetting credits $15,000 spend in 3 months is a high bar for the bonus $150,000 annual cap on 4X categories | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Ink Business Preferred
With a 4.7/5 rating, the Chase Ink Business Preferred edges out the American Express Business Gold Card (4.4/5). At $95/yr, the value proposition is strong. The Ink Business Preferred is the best business card for earning Ultimate Rewards points. 100K bonus, 3X on key business categories, and full access to Chase transfer partners.