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Apple Card vs Chase Ink Business Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Chase Ink Business PreferredChase |
|---|---|---|
| Rating | 3.8/5 | 4.7/5 |
| Annual Fee | $0 | $95 |
| APR | 17.49% - 27.74% | 17.74% - 26.74% |
| Signup Bonus | None | 100,000 points after spending $8,000 in 3 months |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% 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 | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | 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 | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | $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 Apple Card (3.8/5). 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.