Brex Card vs Chase Ink Business Preferred: which one fits your business?
Side-by-side comparison of Brex Card and Chase Ink Business Preferred — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Brex Card | Chase Ink Business Preferred |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $95 |
| Foreign Transaction Fee | 0% | $0 |
| Late Payment Fee | Varies by bank partner | — |
| Additional Card Fee | $0 | — |
| Employee Cards | — | $0 |
| Purchase APR | — | 21.24% - 26.24% (Variable) |
Brex Card in one paragraph
Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Skip it if: You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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
Who should skip Brex Card?
You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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.