Ink Business Preferred® Credit Card vs. Ink Business Cash® Credit Card
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If you’d prefer to earn
cash back rewards from a business credit card that doesn’t charge an annual fee, the
Ink Business Cash® Credit Card may be a better fit.
The $0-annual-fee card lets you earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
You’ll also earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. While this is a less valuable sign-up bonus than that of the Ink Business Preferred® Credit Card, keep in mind that the spend requirement to earn the bonus is also lower.
In addition, if you plan to carry a balance from month to month, the Ink Business Cash® Credit Card lets you do so without incurring interest charges for a year. The card comes with a 0% Intro APR on Purchases for 12 months. Once the promotional period ends, a 17.49% - 25.49% Variable APR applies.
Ink Business Preferred® Credit Card vs. Capital One Venture X Business
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With a huge sign-up bonus, high rewards rate on travel purchases and a $300 annual travel credit for travel booked through Capital One’s travel booking site, the
Capital One Venture X Business is even more valuable than the Ink Business Preferred
® Credit Card. Other travel perks include a credit (up to $120) for
Global Entry or TSA PreCheck, airport lounge access and the ability to transfer rewards to
Capital One’s hotel and airline partners.
Note that it has a hefty annual fee of $395 (see rates & fees), but you can make up for most of the annual fee if you take advantage of the $300 travel credit. It also has a large spending requirement to earn the sign-up bonus, and you do have to pay your card off in full every month. However, if you’re a business owner with a big budget, you’ll find that it’s one of the best values for a business travel card.
Ink Business Preferred® Credit Card vs. American Express® Business Gold Card
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
The
American Express® Business Gold Card is a premium business credit card that lets you earn a higher rate of rewards in your top two spending categories each month, a generous welcome offer and monthly statement credits. With strategic use, the hefty $375 annual fee (see
rates & fees) can be offset by maxing out the elevated rewards each year and using it for travel through the
Membership Rewards portal. Additional purchase protections,
extended warranty protection1 and
car rental insurance2 adds to the value of this card.
This card may not be for you if you won’t be able to meet the high spending requirement to earn the welcome offer. And if your purchases don’t match up with the categories that receive elevated rewards, then the cost may not be worth the potential rewards. But if you spend heavily in its spending categories — especially restaurants and U.S. supermarkets — you’ll find it more rewarding than the Ink Business Preferred® Credit Card.