American Express® Gold Card vs Ink Business Premier® Credit Card

This comparison aims to help users decide between the American Express® Gold Card and the Ink Business Premier® Credit Card. By evaluating their features, rewards, and benefits, you can find the card that best suits your financial needs and spending habits.

Card Overviews

American Express® Gold Card

The American Express® Gold Card is tailored for foodies and travelers, offering generous rewards at restaurants and supermarkets. With a higher annual fee, this card provides rich benefits, including dining credits and travel perks for those who frequently dine out or travel.

Ink Business Premier® Credit Card

The Ink Business Premier® Credit Card is designed for business owners seeking cashback rewards. It offers a straightforward cash back structure with significant benefits for larger purchases, making it ideal for entrepreneurs looking to maximize their rewards on business expenses.

Detailed Feature Comparison

Rewards Highlights

American Express® Gold Card Rewards:

• Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible 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

American Express® Gold Card Pros:

• High rewards rate on dining and groceries.
• Multiple statement credits for dining and travel.
• No foreign transaction fees.

American Express® Gold Card Cons:

• High annual fee.
• Not ideal for users who don’t frequently dine out.

Ink Business Premier® Credit Card Pros:

• Lower annual fee compared to the Gold Card.
• High cashback on large business purchases.
• Flexible payment options for qualifying purchases.

Ink Business Premier® Credit Card Cons:

• Less rewarding for smaller purchases compared to the Gold Card.
• Business-focused features may not appeal to casual users.

Who Should Consider Which Card?

The American Express® Gold Card is ideal for individuals who frequently dine out and shop at supermarkets, as it offers high rewards in those categories along with valuable dining credits. On the other hand, the Ink Business Premier® Credit Card is better suited for business owners who make substantial purchases and want to earn cashback on their business expenses.

Conclusion

Ultimately, the choice between the American Express® Gold Card and the Ink Business Premier® Credit Card depends on your individual spending patterns and financial priorities. Consider your typical expenses and the benefits that align with your lifestyle to make the best decision.

“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.”