Chase Ink Business Preferred vs Prime Visa
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Ink Business Preferred 1.5% 1x base rate
- Prime Visa 1.0% 1% base rate
Dining
- Prime Visa 2.0% 2%
- Ink Business Preferred 1.5% 1x base rate
Gas
- Prime Visa 2.0% 2%
- Ink Business Preferred 1.5% 1x base rate
Travel
- Prime Visa · Chase Travel 5.0% 5%
- Ink Business Preferred 1.5% 1x base rate
- Prime Visa 1.0% 1% base rate
Amazon
- Prime Visa 5.0% 5%
- Ink Business Preferred 1.5% 1x base rate
Phone & internet
- Ink Business Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Shipping
- Ink Business Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Advertising
- Ink Business Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Whole Foods Market
- Prime Visa 5.0% 5%
- Ink Business Preferred 1.5% 1x base rate
Flights
- Prime Visa · Chase Travel 5.0% 5%
- Ink Business Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Hotels
- Prime Visa · Chase Travel 5.0% 5%
- Ink Business Preferred 4.5% 3x
- Prime Visa 1.0% 1% base rate
Public transit
- Prime Visa 2.0% 2%
- Ink Business Preferred 1.5% 1x base rate
Rideshare & taxis
- Prime Visa 2.0% 2%
- Ink Business Preferred 1.5% 1x base rate
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Preferred $95 and Prime Visa $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Ink Business Preferred takes everything else, phone & internet, shipping and advertising; Prime Visa takes dining, gas, travel and amazon, plus 5 more.
| Category | Best card |
|---|---|
| Everything else | Ink Business Preferred1.5% |
| Dining | Prime Visa2.0% |
| Gas | Prime Visa2.0% |
| Travel | Prime Visa · Chase Travel5.0% |
| Amazon | Prime Visa5.0% |
| Phone & internet | Ink Business Preferred4.5% |
| Shipping | Ink Business Preferred4.5% |
| Advertising | Ink Business Preferred4.5% |
| Whole Foods Market | Prime Visa5.0% |
| Flights | Prime Visa · Chase Travel5.0% |
| Hotels | Prime Visa · Chase Travel5.0% |
| Public transit | Prime Visa2.0% |
| Rideshare & taxis | Prime Visa2.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Ink Business Preferred — 1.5%
- Prime Visa — 1.0%
Dining
- Prime Visa — 2.0%
- Ink Business Preferred — 1.5%
Gas
- Prime Visa — 2.0%
- Ink Business Preferred — 1.5%
Travel
- Prime Visa · Chase Travel — 5.0%
- Ink Business Preferred — 1.5%
- Prime Visa — 1.0%
Amazon
- Prime Visa — 5.0%
- Ink Business Preferred — 1.5%
Phone & internet
- Ink Business Preferred — 4.5%
- Prime Visa — 1.0%
Shipping
- Ink Business Preferred — 4.5%
- Prime Visa — 1.0%
Advertising
- Ink Business Preferred — 4.5%
- Prime Visa — 1.0%
Whole Foods Market
- Prime Visa — 5.0%
- Ink Business Preferred — 1.5%
Flights
- Prime Visa · Chase Travel — 5.0%
- Ink Business Preferred — 4.5%
- Prime Visa — 1.0%
Hotels
- Prime Visa · Chase Travel — 5.0%
- Ink Business Preferred — 4.5%
- Prime Visa — 1.0%
Public transit
- Prime Visa — 2.0%
- Ink Business Preferred — 1.5%
Rideshare & taxis
- Prime Visa — 2.0%
- Ink Business Preferred — 1.5%
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