Aeroplan® Credit Card vs Ink Business Premier® Credit Card

This comparison aims to help users decide between the Aeroplan® Credit Card and the Ink Business Premier® Credit Card from Chase by outlining their key features, rewards, and benefits.

Aeroplan® Credit Card Overview

The Aeroplan® Credit Card is designed for travelers who want to earn rewards on dining and grocery purchases, with the ability to redeem points for both international and domestic flights. With a reasonable annual fee, it caters to individuals and families who frequently fly with Air Canada or other airlines that partner with Aeroplan.

Ink Business Premier® Credit Card Overview

The Ink Business Premier® Credit Card is tailored for business owners looking to maximize cash back on large purchases. With a higher annual fee, it offers robust rewards on travel and significant cash back on business-related expenses, making it ideal for entrepreneurs and small business owners who need flexibility and purchasing power.

Detailed Feature Comparison

Rewards Highlights

Aeroplan® Credit Card Rewards

• Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 10,000 bonus points after your annual fee renewal payment posts and is paid in full.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
• Earn 1X point for each dollar spent on all other purchases.

Ink Business Premier® Credit Card Rewards

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Unlimited 5% total cash back on travel purchased through Chase Travel℠.
• Unlimited 2.5% total cash back on purchases of $5,000 or more.
• Unlimited 2% cash back on all other business purchases.

Pros and Cons

Aeroplan® Credit Card Pros and Cons

• Pros:
  • Lower annual fee compared to many travel cards.
  • Good rewards on dining and grocery spending.
  • Flexibility in redeeming points for flights.
  • Additional points for monthly spending milestones.
• Cons:
  • Lower cash back rewards compared to some business cards.
  • Annual fee may not be justified for infrequent travelers.

Ink Business Premier® Credit Card Pros and Cons

• Pros:
  • High cash back rewards for large purchases.
  • Comprehensive travel benefits and protections.
  • No foreign transaction fees.
  • Digital tools for monitoring business expenses.
• Cons:
  • Higher annual fee than many personal cards.
  • Best rewards are geared towards higher spending thresholds.

Who Should Consider Which Card?

• Aeroplan® Credit Card: Ideal for individuals or families who frequently travel with Air Canada or prefer to earn points on everyday purchases like dining and groceries.
• Ink Business Premier® Credit Card: Best suited for small business owners or entrepreneurs who make larger purchases and want to maximize cash back on business expenses.

Conclusion

Both the Aeroplan® Credit Card and the Ink Business Premier® Credit Card offer unique features catering to different audiences. Consider your individual needs, spending habits, and financial goals to choose the card that best fits your lifestyle.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”