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American Express 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 Gold CardAmerican Express | Chase Ink Business PreferredChase |
|---|---|---|
| Rating | 4.7/5 | 4.7/5 |
| Annual Fee | $325 | $95 |
| APR | 20.24% - 29.24% | 17.74% - 26.74% |
| Signup Bonus | Up to 100,000 points after spending $6,000 in 6 months (targeted) | 100,000 points after spending $8,000 in 3 months |
| Rewards Rate | 4X on dining (up to $50K/yr), 4X on U.S. groceries (up to $25K/yr), 3X on flights, 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 dining ($50K cap) and U.S. groceries ($25K cap) is industry-leading $120 dining credit + $120 Uber Cash annually Transfer to 20+ airline and hotel partners | 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 | $325 annual fee (offset by credits) No 0% intro APR offer American Express not accepted everywhere | $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: American Express Gold Card
Both cards tie at 4.7/5, but At $325/yr, the value proposition is strong. If you love food and travel, the Amex Gold is your card. With 4X on restaurants and groceries worldwide, plus annual dining and Uber credits that nearly offset the fee, it's a premium card disguised as a mid-tier one.