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Card comparison · Chase

Chase Ink Preferred vs Chase Ink Cash

The Chase Ink Preferred ($95 annual fee) ranks #36 and the Chase Ink Cash ($0) ranks #118 of the 294 credit cards we score. Here they are side by side, from our card database.

By YourBest Editorial Team · Card data as of October 21, 2026 · How we score cards

Side by side

Chase Ink PreferredChase Ink Cash
IssuerChaseChase
Annual fee$95$0
Welcome offerEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account openingEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening
Rewards
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases in shipping purchases, advertising purchases made with social media sites and search engines, Internet, cable and phone services, and travel
  • 5x points on Lyft rides through September 30, 2027
  • 1x point per $1 on all other purchases
  • Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services
  • 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants
  • 1% cash back on all other purchases
  • 5% cash back now through September 30, 2027 on Lyft rides
Intro APR—purchases 12 months
Ongoing APR—16.99%–24.99%
Balance transfer fee—0%
Foreign transaction feeNone—
Our overall score62 (#36 of 294)53 (#118 of 294)
Business ranking#9 of 92#43 of 92
Apply nowApply 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: Chase Ink Preferred (62 vs 53). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
  • Lower annual fee: Chase Ink Cash, by $95 a year ($95 vs $0). The pricier card has to earn at least $95 more in rewards or credits you actually use to come out ahead.
  • Business: Chase Ink Preferred ranks higher in our business ranking (#9 vs #43 of 92).
  • 0% intro APR on purchases: Chase Ink Cash (12 months; Chase Ink Preferred has none in our data).

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 Chase Ink Preferred better than the Chase Ink Cash?

By our overall score the Chase Ink Preferred ranks higher (62 vs 53), 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, Chase Ink Preferred or Chase Ink Cash?

The Chase Ink Cash: $0 vs $95, as stored in our database.

What are the welcome offers on the Chase Ink Preferred and Chase Ink Cash?

Chase Ink Preferred: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. Chase Ink Cash: Earn $750 bonus cash back after you spend $6,000 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: Chase Ink Preferred ranks higher in our business ranking (#9 vs #43 of 92).

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