Costs & Pricing

Metric	Ink Business Preferred® Credit Card	U.S. Bank Business Altitude® Connect Visa Signature® Card
Annual fee	$95 (no first-year waiver published)	$0 intro first year, then $95/year
Employee card fee	$0	$0
Purchase APR	17.74%–26.74% variable (Prime + 10.99% to +19.99%; max 29.99%)	18.24%–25.24% variable (creditworthiness + Prime). Consistent 2026 aggregator tables — official Schumer box is application-gated, not a scanned PDF.
Intro APR (purchases)	Not offered	Not offered
Foreign transaction fee	$0	$0
Late payment fee	$40	Up to $41 reported (WalletHub 28 Aug 2026)

Rewards & Value

Metric	Ink Business Preferred® Credit Card	U.S. Bank Business Altitude® Connect Visa Signature® Card
Base earn rate	1 Ultimate Rewards point per $1 on all other purchases (uncapped)	1 point per $1 eligible net purchase (1X)
Welcome bonus	100,000 Ultimate Rewards points after $8,000 purchases in first 3 months (posts 6–8 weeks after qualifying)	75,000 bonus points after $6,000 eligible net purchases on the Account Owner’s Card within 180 days (live official offer, 3 Sep 2026). About $750 only if redeemed at the official maximum 1¢ travel / USB-deposit path. Posts 1–2 billing cycles after qualifying.
Redemption value	1¢/point cash (RPA contractual floor); Chase Travel marketed at 1.25¢; transfers at partner ratios	Official maximum applies to travel, Real-Time Rewards for travel purchases, and deposit into an eligible U.S. Bank account (treat as 1.0¢). Merchandise, gift cards, and statement credit may be worth less. Secondary: 0.8¢ cash if not depositing to a USB account (Doctor of Credit). Do not assume 1.0¢ on every path.
Transfer partners	Native transfers (airlines 1:1; IHG, Marriott, Wyndham 1:1). World of Hyatt 1:1 through 9/30/2026, then 4:3 from 10/01/2026 (1,000 UR → 750 Hyatt). Unlocks transfers for Ink Cash/Unlimited points moved onto this card.	No airline/hotel partners. Intra-USB only: to/from Business Altitude Power, personal Altitude Connect, personal Altitude Go — not Altitude Reserve. 20,000 points out and 20,000 in per calendar year. Both accounts in good standing. Transfers final.

Credit & Eligibility

Metric	Ink Business Preferred® Credit Card	U.S. Bank Business Altitude® Connect Visa Signature® Card
Personal guarantee	Required — authorizing officer liable individually and jointly with the business for all balances	Required in practice for U.S. Bank small-business cards. Official product page does not print the clause — confirm in Cardmember Agreement.
Credit check	Hard pull on the authorizing officer (standard Chase practice)	Hard inquiry on the personal credit report (official benefits-center FAQ). SSN/ITIN collected. Beneficial owners ≥25% identity-verified; USB says that will not affect their credit.
Employee cards	Free; number not capped in public copy; individual spend limits and real-time tracking	$0 additional AF. Identity check only (issuer says no credit impact). Spend controls via Spend Management. Liability remains on the business account / guarantor.
Product type	Revolving business credit card	Revolving business credit card (preset limit; ExtendPay installment option on eligible purchases)

Pros & Cons

Ink Business Preferred® Credit Card

Pros

• 100,000 UR / $8,000 / 3-month welcome bonus; authorized-user spend counts
• 3x on shipping, direct social/search ads, comms, and travel up to $150k per anniversary year
• Native Ultimate Rewards transfers; unlocks transfers for Ink Cash/Unlimited points
• $0 foreign-transaction fee and $0 employee cards
• Cell-phone protection plus purchase protection and primary business rental CDW

Cons

• $95 annual fee with no Global Entry, lounge, or travel statement credit
• No intro 0% APR — poor working-capital tool if a balance will be carried
• Personal guarantee + hard pull + unofficial 5/24 gate
• Advertising 3x is narrow (direct platform MCCs, not agencies); office supplies are not 3x
• Hyatt transfers drop to 4:3 on October 1, 2026; bonus likely unavailable if you ever held this card

U.S. Bank Business Altitude® Connect Visa Signature® Card

Pros

• Live welcome bonus 75,000 points / $6,000 / 180 days on the owner card (official, Sep 2026)
• 4X on a wide travel definition plus gas/EV through $150,000 combined — broad for a sub-$100-AF business card
• $0 FTF and 4 Priority Pass visits after enrollment
• $0 employee-card AF and Spend Management controls
• Points can be pooled and moved (capped) to personal Altitude Go / Connect or Business Power

Cons

• $95 AF after year 1 with thin automatic credits
• No airline/hotel transfer partners; max value is issuer travel / USB deposit
• No 0% intro APR; employee spend excluded from the bonus hurdle
• Gas 4X excludes wholesale clubs and supercenters including Walmart/Target
• Public Schumer box is application-gated; insurance dollar caps are not in marketing copy

Verdict

Ink Business Preferred® Credit Card

Ink Business Preferred is the transfer keystone of the Ink family — 3x on the spend categories many operators actually have, $0 FTF, and a 100k welcome bonus, all at $95. Pair it with Ink Cash or Unlimited if you want the rest of spend at cash-back rates with transferable points parked here. Skip it if you need 0% capital, no personal guarantee, lounges, or simple uncapped cash back.

U.S. Bank Business Altitude® Connect Visa Signature® Card

Business Altitude Connect is the $95 (year-1 $0) travel sleeve — not consumer Altitude Connect (TSA credit, 0% intro, quarterly gas cap) and not Ink Preferred (transferable UR). 4X travel+gas to $150k plus 4 Priority Pass visits is the reason to pick it. Ads, shipping, Costco gas, and transferable-points collectors should skip it. Year 2 needs real 4X volume or the $95 fee loses to a $0 1.5–2% flat.