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Chase Ink Business Preferred vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 ($2,000 more in estimated value) than the Petal 2 Cash Back, No Fees Visa's. Get the Chase Ink Business Preferred first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureChase Ink Business PreferredPetal 2 Cash Back, No Fees Visa
Annual fee$95$0
Sign-up bonus100,000 pointsNone
Bonus value (est.)$2,000$0
Min spend to unlock bonus$8,000 in 3 mo$0 in 0 mo
IssuerChasePetal
Card categorybusinesscredit-builder
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
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Preferred or Petal 2 Cash Back, No Fees Visa?
    The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the Petal 2 Cash Back, No Fees 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 Petal 2 Cash Back, No Fees Visa's, pick the one whose perks you'll actually use.
    Can I have both the Chase Ink Business Preferred and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Chase and Petal) 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 Petal 2 Cash Back, No Fees 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. Petal 2 Cash Back, No Fees 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.

    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.