Card comparison · American Express vs Chase
Amex Business Gold vs Chase Ink Preferred
The Amex Business Gold ($375 annual fee) ranks #3 and the Chase Ink Preferred ($95) ranks #36 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Amex Business Gold | Chase Ink Preferred | |
|---|---|---|
| Issuer | American Express | Chase |
| Annual fee | $375 | $95 |
| Welcome offer | AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. | Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening |
| Rewards |
|
|
| Intro APR | — | — |
| Ongoing APR | — | — |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | None |
| Our overall score | 74 (#3 of 294) | 62 (#36 of 294) |
| Business ranking | #1 of 92 | #9 of 92 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Amex Business Gold (74 vs 62). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Chase Ink Preferred, by $280 a year ($375 vs $95). The pricier card has to earn at least $280 more in rewards or credits you actually use to come out ahead.
- Business: Amex Business Gold ranks higher in our business ranking (#1 vs #9 of 92).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Amex Business Gold better than the Chase Ink Preferred?
By our overall score the Amex Business Gold ranks higher (74 vs 62), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Amex Business Gold or Chase Ink Preferred?
The Chase Ink Preferred: $95 vs $375, as stored in our database.
What are the welcome offers on the Amex Business Gold and Chase Ink Preferred?
Amex Business Gold: AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Chase Ink Preferred: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Business: Amex Business Gold ranks higher in our business ranking (#1 vs #9 of 92).