American Express Business Gold vs Chase Ink Business Preferred: which one fits your business?
Side-by-side comparison of American Express Business Gold and Chase Ink Business Preferred — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Business Gold wins on our scorecard (7.5/10 vs 7.3/10).
| Scored on | American Express Business Gold | Chase Ink Business Preferred |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $95 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $39 | — |
| Additional Employee Cards | $0 for first 99 cards | — |
| Employee Cards | — | $0 |
| Purchase APR | — | 21.24% - 26.24% (Variable) |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Chase Ink Business Preferred in one paragraph
The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Skip it if: Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
Frequently asked questions
Which is better, American Express Business Gold or Chase Ink Business Preferred?
On our five-axis scorecard, American Express Business Gold scores higher (7.5/10 vs 7.3/10). The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Who should skip Chase Ink Business Preferred?
Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.