Bank of America Customized Cash Rewards credit card vs. Ink Business Preferred Credit Card
On the criteria below, Ink Business Preferred Credit Card wins 3 of 5. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Ink Business Preferred Credit Card
Chase
Ink Business Preferred Credit Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card wins on annual fee; Ink Business Preferred Credit Card wins on first-year math, travel insurance, and foreign transactions.
Pick the Ink Business Preferred Credit Card if year-one math is your priority; take the Bank of America Customized Cash Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
1 vs 3 (1 tie)- First-year math Ink Business Preferred Credit Card
Ink Business Preferred Credit Card wins on bonus value minus annual fee.
- Annual fee Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card is $95 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Ink Business Preferred Credit Card
Ink Business Preferred Credit Card carries built-in travel insurance.
- Foreign transactions Ink Business Preferred Credit Card
Ink Business Preferred Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $200
- $1,700
- First-year net
- +$200
- +$1,605
- Peak earning rate
- 3×
- 3×
- Top categories
- Choice Category, Grocery
- Shipping, Advertising Social Search, Internet Cable Phone
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.