American Express Business Green Rewards Card vs Ink Business Preferred®
Side-by-side comparison
| American Express Business Green Rewards Card | Ink Business Preferred® | |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome offer | 15,000 Membership Rewards points | 100,000 Ultimate Rewards® Points |
| Advertising | 1% | 3% |
| Shipping | 1% | 3% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 3% |
| Travel | 1% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $450 | $846 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | American Express Business Green Rewards Card | Ink Business Preferred® |
|---|---|---|
| Welcome bonus | 15,000 Membership Rewards points | 100,000 Ultimate Rewards® Points |
| To earn it | $3,000 in 3 months | $8,000 in 3 months |
| Est. first-year value* | $505 | $1,761 |
| Est. ongoing value / yr* | $355 | $761 |
The Ink Business Preferred® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | American Express Business Green Rewards Card | Ink Business Preferred® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | ~$10/yr (1 credits) |
| Points & redemptions | Transferable to airline & hotel partners | Transferable to airline & hotel partners |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
The American Express Business Green Rewards Card earns Amex Membership Rewards, which transfers to Delta, ANA, Air France-KLM Flying Blue, Virgin Atlantic, plus Hilton and Marriott. The Ink Business Preferred® earns Chase Ultimate Rewards, reaching World of Hyatt, United, Air Canada, Southwest, and British Airways Avios. Most transfers are 1:1 on both, so the partners themselves, not the ratios, are what separate them.
The standout difference is the crown-jewel partner: for the American Express Business Green Rewards Card it is ANA and Virgin Atlantic, the routes behind the famous business- and first-class sweet spots to Asia; for the Ink Business Preferred® it is World of Hyatt at 1:1, widely considered the single best hotel transfer in points. Pick the program whose best partners match the trips you would actually book.
The verdict
On a typical year of business spending, the American Express Business Green Rewards Card earns about $450 a year in rewards and the Ink Business Preferred® about $846, valuing every point at a flat 1 cent. The American Express Business Green Rewards Card charges $95, which you clear through its rewards and perks. The Ink Business Preferred® charges $95, but carries about $10 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Ink Business Preferred® delivers more total value, about $401 a year more for a typical spender, mostly because it earns more where you spend most, on advertising and travel. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Ink Business Preferred® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Preferred® if your spending leans toward advertising, shipping, phone & internet.