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Ink Business Cash® Credit Card vs Ink Business Premier® Credit Card
This comparison aims to help you decide between the Ink Business Cash® Credit Card and the Ink Business Premier® Credit Card from Chase by highlighting their key features and benefits.
Card Overviews
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is designed for small business owners who want to earn cash back on common business expenses. With no annual fee and a robust rewards program, it is an excellent choice for those looking to maximize their cash flow.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is tailored for businesses that make larger purchases. With a competitive rewards structure and additional travel benefits, it caters to businesses looking for flexibility and high rewards on substantial spending.
Detailed Feature Comparison
| Feature | Ink Business Cash® Credit Card | Ink Business Premier® Credit Card |
|---|---|---|
| Annual Fee | No Annual Fee | $195 |
| Welcome Bonus | Earn $350 after spending $3,000 in the first 3 months | Earn $1,000 after spending $10,000 in the first 3 months |
| Rewards Structure | 5% on the first $25,000 at office supply stores and on internet, cable and phone services; 2% at gas stations and restaurants; 1% on other purchases | Unlimited 2.5% on purchases of $5,000 or more; Unlimited 2% on all other purchases |
| Foreign Transaction Fee | 3% | No Foreign Transaction Fees |
| Other Fees | Various fees apply | Various fees apply |
| Additional Benefits | Zero Liability, redeem rewards through Chase Ultimate Rewards® | Fraud Protection, Purchase Protection, Cell Phone Protection, Extended Warranty Protection |
Rewards Highlights
- 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
Ink Business Cash® Credit Card
- Pros: No annual fee, good rewards for everyday business expenses.
- Cons: Lower rewards rate on large purchases compared to the Premier card.
Ink Business Premier® Credit Card
- Pros: Higher rewards for large purchases, no foreign transaction fees, travel benefits.
- Cons: Annual fee applies, higher spending requirement for bonus cash back.
Who Should Consider Which Card?
- The Ink Business Cash® Credit Card is ideal for small business owners who have lower overall spending and want to maximize cash back on everyday purchases without an annual fee.
- The Ink Business Premier® Credit Card is suited for businesses that make larger transactions and travel frequently, providing enhanced rewards and benefits for significant spending.
Conclusion
When choosing between the Ink Business Cash® Credit Card and the Ink Business Premier® Credit Card, consider your individual spending patterns and financial goals. Each card offers distinct benefits that cater to different business needs, so weigh these features carefully to find the best fit for your business.