CIP vs Biz Gold
The workhorse business point earners.
Chase Ink Business Preferred
Chase
- Our rating
- 9.1/10
- Welcome bonus
- 90,000 points
- Bonus value
- ≈$1,845
- Annual fee
- $95
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 3x Travel, shipping, internet/cable/phone, social media ads ($150k/yr cap)
- 1x All other purchases
American Express Business Gold Card
American Express
- Our rating
- 8.2/10
- Welcome bonus
- 100,000 points
- Bonus value
- ≈$2,000
- Annual fee
- $375
- Credits, max/yr
- $395
- Foreign txn fee
- None
Top earning rates
- 4x Top 2 of 6 eligible categories each cycle (up to $150k/yr)
- 3x Flights and prepaid hotels via Amex Travel
- 1x All other purchases
The Compound Verdict
Our ratings give it to the Chase Ink Business Preferred (9.1 vs 8.2). On current welcome offers, the Biz Gold brings the bigger first-year haul at ≈$2,000. The fee gap is $280 a year, so make sure the extra credits and multipliers actually fit your spend.
Read the full reviews for the complete math: CIP review and Biz Gold review, or put them side by side in the comparison tool.