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Chase Ink Business Preferred vs PayPal Cashback Mastercard

Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/yr; the PayPal Cashback Mastercard from Synchrony at $0/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 ($1,800 more in estimated value) than the PayPal Cashback Mastercard's. Get the Chase Ink Business Preferred first; revisit the PayPal Cashback Mastercard after you've earned that bonus.

FeatureChase Ink Business PreferredPayPal Cashback Mastercard
Annual fee$95$0
Sign-up bonus100,000 points$200 cash back
Bonus value (est.)$2,000$200
Min spend to unlock bonus$8,000 in 3 mo$500 in 3 mo
IssuerChaseSynchrony
Card categorybusinesscashback
Best earning category (Travel)3x1x
Transfer partnerschase-urNone
Headline benefits
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
    Read the full review
    Chase Ink Business Preferred
    $95/yr · 100,000 points
    Read the full review
    PayPal Cashback Mastercard
    $0/yr · $200 cash back

    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.

    Editorial take: PayPal Cashback Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Preferred or PayPal Cashback Mastercard?
    The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus $200 cash back (~$200) on the PayPal Cashback Mastercard.
    Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the PayPal Cashback Mastercard?
    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 PayPal Cashback Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Chase Ink Business Preferred and PayPal Cashback Mastercard?
    Yes, since they're from different issuers (Chase and Synchrony) 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 PayPal Cashback Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 spend in 3 months. PayPal Cashback Mastercard: $500 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.