Ink Business Preferred vs. Capital One Venture Business 2026

With a new Chase Ink Business Preferred card, you can earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. That’s worth at least $1,000 in statement credits or travel booked through Chase Travel℠.

The Capital One Venture Business has a larger bonus with a significantly higher spending requirement. For a limited time, you can earn up to 150,000 bonus Capital One miles, worth $1,500 in travel. You’ll earn 75,000 bonus miles once you spend $7,500 on purchases within the first three months of account opening and an additional 75,000 bonus miles once you spend $30,000 in the first six months from account opening.

The Ink Business Preferred earns 3X points on the first $150,000 in combined purchases each year in the following categories (then 1X points):

• Shipping
• Advertising on social media and search engines
• Internet, cable and phone services
• Travel

You’ll also earn 5X points on Lyft rides through Sept. 30, 2027. All other purchases earn 1X points.

The Capital One Venture Business has fewer bonus categories but earns a higher flat-rate return. You’ll earn miles at the following rates:

• 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
• 2X miles on all other eligible purchases

Chase points and Capital One miles have similar redemption options. You can redeem for statement credits, gift cards, travel and more. Both rewards also offer transfers to a long list of airline and hotel loyalty programs, but the value you get for certain redemptions varies.

The Ink Business Preferred typically offers 1 cent per point for statement credits, cash back (deposited into a Chase deposit account), gift cards and Chase Travel bookings. With the Venture Business, you’ll normally receive 1 cent per mile for gift cards and statement credits toward travel purchases. However, you’ll only receive around 0.5 cents per mile for cash-back redemptions.

You can use Chase points and Capital One miles at checkout on Amazon or through PayPal, but you receive a subpar value of 0.8 cents per point/mile. While this is an easy redemption, you can get more value out of your rewards if you avoid it.

With both travel currencies, you may be able to unlock increased value when you transfer to travel partners. You can transfer Chase points to these loyalty programs at a 1:1 ratio:

You can transfer Capital One miles to the following loyalty programs:

Capital One has more partners, but several have transfer ratios of less than 1:1. While Chase has fewer travel partners, you can move points to a handful of potentially valuable programs, such as United MileagePlus, Southwest Rapid Rewards and World of Hyatt.

The Capital One Venture Business has several annual benefits that more than offset its annual fee. Every year, you can take advantage of:

• $50 in annual travel credit for Capital One Business Travel bookings
• Up to $50 in annual statement credits for qualifying advertising or software purchases

You can also receive up to $120 in credits for a Global Entry or TSA PreCheck application fee every four years. If you frequently rent cars, you may appreciate the complimentary Hertz Five Star status you can enroll in to receive. The card also comes with protections, such as extended warranty protection*.

The Ink Preferred has far fewer credits, but a much stronger array of travel insurance and shopping protections. You can enroll to receive DoorDash perks, including at least one year of complimentary DashPass when you activate by Dec. 31, 2027, and up to $10 a month off one non-restaurant order.

• Baggage delay insurance
• Lost luggage reimbursement
• Auto rental collision damage waiver
• Travel and emergency assistance services
• Travel accident insurance
• Trip cancellation and interruption insurance
• Trip delay reimbursement
• Purchase protection
• Extended warranty protection
• Cell phone protection
• Roadside assistance

*Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

Deciding whether the Ink Business Preferred or Capital One Venture Business is better for your business largely comes down to spending. Once you know your business’s total monthly credit card spending and which categories those purchases fall into, it will be easier to make a decision.

The Venture Business has a better welcome bonus, but only if you have an average of $5,000 a month in credit card expenses, which is what you need to spend per month for the first six months you have the card to earn the bonus. The Venture Business is also more appealing if you don’t spend heavily in the Ink Preferred’s bonus 3X bonus categories, or if its $150,000 annual cap for the 3X categories will severely limit your rewards.

Overall, the Venture Business is likely a better fit for heavy spenders, while the Ink Business Preferred may be more rewarding if your business doesn’t have as many credit card expenses.

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For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.