Ink Business Preferred® vs U.S. Bank Cash+®
Side-by-side comparison
| Ink Business Preferred® | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 100,000 Ultimate Rewards® Points | $250 rewards bonus |
| Advertising | 3% | 1% |
| Shipping | 3% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 3% | 1% |
| Travel | 3% | 5% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $846 | $738 |
| Points type | Transfers to airlines & hotels | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Ink Business Preferred® earns about $846 a year in rewards and the U.S. Bank Cash+® about $738, valuing every point at a flat 1 cent. The Ink Business Preferred® charges $95, but carries about $10 in annual statement credits that offset it for anyone who uses them. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. The two are close on value, but the Ink Business Preferred® edges ahead by about $18 a year, mostly because it earns more where you spend most, on advertising and shipping. The bigger difference is the ceiling: the Ink Business Preferred® earns points you can move to travel partners for outsized value, while the U.S. Bank Cash+® pays plain cash back. Favor the Ink Business Preferred® if you will use travel transfers, the U.S. Bank Cash+® if you want simplicity. 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. Pick the U.S. Bank Cash+® if your spending leans toward travel.