Chase Ink Business Preferred vs Chime Credit Builder Secured Visa

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Preferred or Chime Credit Builder Secured Visa?

The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus None (~$0) on the Chime Credit Builder Secured Visa.

Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the Chime Credit Builder Secured Visa?

At $95/yr, the Chase Ink Business Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chime Credit Builder Secured Visa's, pick the one whose perks you'll actually use.

Can I have both the Chase Ink Business Preferred and Chime Credit Builder Secured Visa?

Yes, since they're from different issuers (Chase and Chime) 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 Chase Ink Business Preferred or the Chime Credit Builder Secured Visa first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.