Business Gold Card vs Ink Business Preferred Credit Card

Updated September 24, 2026 · from RightCard's verified card and merchant data

Ink Business Preferred Credit Card earns more in 2 of 9 categories (travel, transit & rideshare), American Express Business Gold Card in 0, with 7 tied. Business Gold Card: $375 fee. Ink Business Preferred Credit Card: $95 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Business Gold Card	Ink Business Preferred Credit Card	Wins
Restaurants	1x points (1.8¢)	1x points (1.8¢)	tie
Supermarkets	1x points (1.8¢)	1x points (1.8¢)	tie
Gas stations	1x points (1.8¢)	1x points (1.8¢)	tie
Travel	1x points (1.8¢)	3x points (5.4¢)	Ink Business Preferred Credit Card
Online shopping	1x points (1.8¢)	1x points (1.8¢)	tie
Drugstores	1x points (1.8¢)	1x points (1.8¢)	tie
Transit & rideshare	1x points (1.8¢)	3x points (5.4¢)	Ink Business Preferred Credit Card
Streaming	1x points (1.8¢)	1x points (1.8¢)	tie
Everything else	1x points (1.8¢)	1x points (1.8¢)	tie

Point values: Business Gold Card: Amex Membership Rewards at 1.8¢ toward travel; Ink Business Preferred Credit Card: Chase Ultimate Rewards at 1.8¢ toward travel. Cash out and most points are worth 1¢ or less.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Business Gold Card	$375 fee	Flexible Business Credit ($20 monthly), ChatGPT Business Credit ($300 yearly), Squarespace Credit ($150 yearly), Walmart+ Credit ($12.95 monthly)	$845.4 / yr
Ink Business Preferred Credit Card	$95 fee	DoorDash discount ($10 monthly)	$120 / yr

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 2 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

American Express Business Gold Card in full → · Ink Business Preferred Credit Card in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

Business Gold Card or Ink Business Preferred Credit Card: which earns more?

Ink Business Preferred Credit Card earns more in 2 of 9 categories (travel, transit & rideshare), American Express Business Gold Card in 0, with 7 tied. Business Gold Card: $375 fee. Ink Business Preferred Credit Card: $95 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Business Gold Card or Ink Business Preferred Credit Card?

Business Gold Card: $375 fee. Ink Business Preferred Credit Card: $95 fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 2 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card