Chase Ink Business Preferred vs Ramp Card: Fees, Rewards and Payment Terms

Quick answer

Chase Ink Business Preferred charges a $95 annual fee and pays 3 points per dollar on the first $150,000 a year in travel, shipping, internet, cable, phone and ad spending. Ramp lists no annual fee but does not state its cash back rate. Ramp wins only if its rate beats the break-even rate in the table below.

What each issuer says

All figures below were read from the issuers' own pages on October 19, 2026. Terms change, so check them again before you apply.

Chase Ink Business Preferred. The Chase product page lists a $95 annual fee and a variable APR of 17.99% to 26.99%. It pays 3 points per $1 on the first $150,000 spent each account anniversary year in shipping, advertising on social media and search sites, internet, cable and phone, and travel. Everything else earns 1 point per $1 with no limit. It lists no foreign transaction fees and employee cards at no additional cost. The new cardmember offer is 100,000 bonus points after $8,000 of purchases in the first 3 months.

Ramp. Ramp's corporate card page says its corporate cards have no personal guarantee requirement and no annual fee. It describes a corporate charge card with 30-day payback and says Ramp offers cash back with no interest charges. The page does not give a cash back percentage. Ramp's pricing page lists a free plan at $0 per month per user. Its Plus plan is $15 per month per user plus a platform fee based on team size, and the platform fee amount is not shown.

Fees and terms side by side

The break-even cash back rate

Because Ramp does not state its rate, this table flips the question. It shows what flat cash back rate Ramp would need to pay to match Ink Business Preferred, using an assumption of 1 cent per point. All three examples assume $60,000 a year of total card spending, which is $5,000 a month.

Here is the math for the middle row. Spending of $24,000 in bonus categories earns 3 points per dollar, which is 72,000 points. The other $36,000 earns 1 point per dollar, which is 36,000 points. The total is 108,000 points. At 1 cent each that is $1,080. Subtract the $95 fee to get $985. Divide $985 by $60,000 of total spending and you get 1.64%.

So with this spending, Ramp would need to pay about 1.64% on every dollar to match Ink Preferred. These are examples, not Ramp's rate or Chase's guarantee. If you redeem points for less than 1 cent, Ink Preferred looks weaker. If you redeem for more, it looks stronger.

The welcome offers are left out. Chase's 100,000 points after $8,000 is a one-time offer, and Ink Preferred may not be available to you if you have held the card before. The Ramp pages we read state no comparable offer.

When Ink Business Preferred is the better fit

• A large share of your spending is shipping, ads on social media or search sites, internet, cable, phone or travel.
• You may want Chase's Pay Over Time option, which comes with interest.
• You want points you can redeem for travel.

When Ramp is the better fit

• You want expense tracking, spending limits and receipt matching on every employee card.
• Your spending is spread across categories where Ink Preferred pays only 1 point.
• You can pay the balance on time every cycle and do not need a revolving balance.
• Ramp's quoted cash back rate is above the break-even rate for your spending.

What to check before you apply

1. Ask Ramp for the exact cash back rate and any fees for your team size.
2. Read Chase's pricing and terms link for the full fee and penalty schedule.
3. Confirm whether either card requires a personal guarantee for your business.
4. Add the Ramp plan cost, if you need a paid plan, to the Ramp side of the comparison.

For other card pairs and your own numbers, use our business card fees vs rewards calculator. For fee lines to compare on any business card, read our guide to business credit card fees.

Methodology and sources

Reviewed October 19, 2026: Chase Ink Business Preferred product page, Ramp corporate card page and Ramp pricing page, linked above. Examples use 1 cent per point and $60,000 of yearly spending as assumptions. Terms that an issuer's page does not state are marked as not stated, not guessed.