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Amex Business Platinum vs. Chase Business Ink Preferred: Why Chase Wins for Business Benefits

Amex Business Platinum vs Chase Ink Preferred

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Updated July 13, 2023

card_name and card_name are premium business travel cards. Both feature attractive welcome bonuses and valuable purchase and travel perks. Still, card_name shines over card_name due to its business benefits and low annual fee. 

How the cards stack up

Here’s a closer look at what both cards offer:

Featurecard_nameInk Business Preferred® Credit Card
Welcome bonus
bonus_miles_full Terms Apply.
Earn 5x points on prepaid hotels and airfare if you book through

Earn 1.5x points on qualifying purchases with construction material providers, Cloud and software system providers, and electronic goods retailers

Earn 1.5x points on select purchases of $5,000 or more

You can earn 1.5x points on the first $2 million worth of purchases in each of those categories

Earn 1x points on all other eligible purchases

Terms Apply.
Earn 3x points on travel, online advertising, shipping, phone, cable and internet services (capped at $150,000 worth of purchases)

Earn 1x points on all other purchases
Annual fee
APR (or regular APR)
Foreign transaction fee
Other benefits (or additional perks)
Annual statement credits of up to:
  • $400 for U.S. purchases with Dell Technologies
  • $360 back for Indeed purchases
  • $150 for the Adobe select business subscription
  • $120 for wireless telephone service purchases from U.S.-based providers
Get 35% of your points back when you book flights with Amex Travel (up to 1,000,000 points back each year)

$200 annual airline fee statement credit

$189 CLEAR Plus statement credit

Access to over 1,400 airport lounges in 140 countries

Marriott BonvoyTM Gold Elite Status

Hilton Honors Gold Status

Premium status with several rental car programs

Trip cancellation, delay, and interruption insurance

Terms Apply.
1:1 points transfer to popular airlines and hotel travel loyalty reward programs

Get a 25% bonus when you book travel through Chase Ultimate Rewards

Auto rental collision damage waiver

Emergency roadside assistance

Purchase and extended warranty protections

Cell phone protections

Trip cancellation and interruption insurance

Welcome bonus


The welcome bonus of 120,000 points with card_name is worth any of the following: 

  • $720 statement credit
  • $840 in purchases
  • $1,200 on airfare booked through
  • Up to $1,200 in gift cards from select retailers
  • Terms Apply.

card_name comes with just 100,000 welcome bonus points worth: 

  • $1,000 cash back 
  • $1,250 travel credit if points are redeemed through Chase Ultimate Rewards 

Both cards require you to spend $15,000 in the first three months to get the welcome bonus. 

Welcome bonus winner: card_name


Amex wins this category because you can earn 1.5x points on up to $4 million worth of purchases. Meanwhile, you can earn 3x points on only $150,000 worth of purchases through card_name.  Terms Apply.

Rewards Winner: card_name

Annual fee 


The steep annual fee of annual_fees (Rates & Fees) that comes with card_name can be an issue for some business owners, making card_name the winner. You’ll pay an annual fee of just annual_fees which can be easily offset with bonus points.

Annual fee winner: card_name


card_name (Rates & Fees) has a wider APR range than card_name. If you expect to have a higher APR, card_name is likely a better fit for you because it has a capped range of reg_apr,reg_apr_type, while the card_name has a capped range of reg_apr,reg_apr_type (Rates & Fees). If you expect to have a lower APR, card_name may be a better fit for you because of its APR range starts at a point and a half less than the card_name.

APR winner: tie 

Foreign transaction fee

You won’t need to pay a foreign transaction fee on either card (Rates & Fees).

Foreign transaction fee winner: tie

Additional perks 

Ultimately, you’ll get more travel perks with card_name, making it the winner of this category. These include: 

  • 35% airline bonus on flights booked with Amex Travel (up to 1,000,000 points per year) 
  • $200 annual airline fee statement credit 
  • $189 CLEAR Plus statement credit 
  • Access to over 1,400 airport lounges in 140 countries 
  • Marriott BonvoyTM Gold Elite Status
  • Hilton Honors Gold Status
  • Premium status with several rental car programs
  • Trip cancellation, delay and interruption insurance 
  • Terms Apply.

The other statement credits, valued at over $1,000 collectively, also gives card_name an edge over card_name

Additional perks winner: card_name 

Which card earns the most? That depends

card_name offers the most significant earning potential if you travel often, or if your business has a lot of expenses. If you book lodging and airfare through, you can earn 5x Membership Rewards points for every dollar spent. All other purchases earn 1.5x or 1x Membership Rewards points, depending on which bonus category they fall into. Terms Apply.

With card_name, it’s easier to earn on everyday business expenditures. You’ll get 3x Membership Rewards points for every dollar spent—up to $150,000—on travel, online advertising, shipping, phone, cable and internet services. Plus, you’ll earn 1x points for every dollar spent on all other purchases. 

If your business spends more than $300,000 per year on electronics, construction supplies, and bulk orders that are each more than $5,000, you’ll earn more with the card_name, and you’ll earn 1x points for every dollar spent on other purchases. It’s also probably the better deal  if  you need to travel a lot, or if your business has more than $300,000 of expenses per year. 

If you have a small business that doesn’t require you to travel a lot and has fewer expenses,  card_name is the winner here. 

Our recommendations

Why we recommend card_name


You won’t get the luxury travel incentives card_name offers, but the card_name offers a much better deal for small businesses with a lower overhead. card_name has a low annual fee and excellent earning potential on everyday business expenses and travel. Plus, you can transfer your points to other popular travel reward loyalty programs to make them stretch even further. 

Why you would still opt for card_name 


card_name is the clear choice if you often travel for your business or if your business has a lot of overhead. For example, if your business has hundreds of thousands of dollars in construction costs alone, and you expect to order pricey bulk orders, card_name might be a better pick. The added travel perks are hard to beat, and you can stack up a hefty amount of points by booking through Amex Travel. And despite the significantly higher annual fee (Rates & Fees), if you actually use all or most of the statement credits, they’ll end up covering the cost of the card. 

Bottom line 

The best card for you depends on your company’s spending patterns and what you’re looking for in a business credit card. Carefully evaluate what each offers and its rewards program to make an informed decision. 

For rates and fees of the card_name, please visit this URL.

Frequently asked questions (FAQs)

How do membership rewards work?

Amex Membership Rewards points can be used to book travel, shop, get gift cards or statement credits, upgrade your flights, or give back to causes you support. Points are also transferable to participating hotel and airline partners’ loyalty programs. Terms Apply.

How do Ultimate Rewards points work?

Chase Ultimate Rewards points can be redeemed for cash back, gift cards or at the Apple Ultimate Rewards Store. If you choose to redeem your points for travel, they’re worth 25% more. Points can also be transferred to participating frequent travel programs for their full value. 

Which is the best business credit card?

It depends on your needs. card_name is best for frequent travelers or businesses with a significant amount of overhead. Small businesses with a lower overhead and less frequent travel needs will likely get more  value out of card_name.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.