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BECU Low Rate Credit Card vs Chase Ink Business Preferred
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the Chase Ink Business Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($2,000 more in estimated value) than the BECU Low Rate Credit Card's. Get the Chase Ink Business Preferred first; revisit the BECU Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Low Rate Credit Card | Chase Ink Business Preferred |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No welcome bonus | 100,000 points |
| Bonus value (est.) | $0 | $2,000 |
| Min spend to unlock bonus | $0 in 0 mo | $8,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | business |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
|
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Editorial take: Chase Ink Business Preferred
The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or Chase Ink Business Preferred?
- The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the Chase Ink Business Preferred?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the Chase Ink Business Preferred's $95 fee is justified by its perks. If you'll use enough of the Chase Ink Business Preferred's benefits to clear $95 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and Chase Ink Business Preferred?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Low Rate Credit Card or the Chase Ink Business Preferred first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. Chase Ink Business Preferred: $8,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.