Chase Ink Business Preferred vs Ramp Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Preferred and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7.3/10).
| Scored on | Chase Ink Business Preferred | Ramp Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 7 | 10 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $95 | $0 |
| Foreign Transaction Fee | $0 | None |
| Employee Cards | $0 | — |
| Purchase APR | 21.24% - 26.24% (Variable) | — |
| Additional Employee Cards | — | $0 |
| Late Payment Fee | — | Varies by contract |
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.
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, Chase Ink Business Preferred or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.3/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
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.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.