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Ink Business Premier® Credit Card vs Ink Business Premier℠ Credit Card
This comparison aims to help you decide between the Ink Business Premier® Credit Card and the Ink Business Premier℠ Credit Card. Both cards offer excellent rewards and benefits tailored for business owners, but they may cater to different needs and spending habits.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners looking to maximize their cash back on substantial purchases. With a focus on higher spending, this card rewards users with a competitive cash back structure, flexible payment options, and robust travel benefits.
Ink Business Premier℠ Credit Card
The Ink Business Premier℠ Credit Card offers similar features with an emphasis on providing cash back rewards on significant business expenses. This card is perfect for those who frequently make large purchases and want to earn rewards while managing their business expenses efficiently.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | Ink Business Premier℠ Credit Card |
|---|---|---|
| Annual Fee | $195 | N/A |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. |
| Rewards Structure | Unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases. | Unlimited 2.5% cash back on purchases of $5,000 or more; unlimited 2% cash back on all other business purchases. |
| Foreign Transaction Fee | No | No |
| Other Fees | Varies by transaction | Varies by transaction |
| Additional Benefits | Trip Cancellation/Interruption Insurance, Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, Extended Warranty Protection. | Trip Cancellation/Interruption Insurance, Fraud Protection, Zero Liability 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 Premier® Credit Card
- Pros:
- High cash back rewards on large purchases.
- Comprehensive travel benefits.
- No foreign transaction fees.
- Cons:
- Higher annual fee compared to some competitors.
- Minimum spending threshold required for higher cash back.
Ink Business Premier℠ Credit Card
- Pros:
- High cash back rewards on large purchases.
- Comprehensive travel benefits.
- No foreign transaction fees.
- Cons:
- Annual fee may vary or apply depending on specific offers.
- Minimum spending threshold required for higher cash back.
Who Should Consider Which Card?
- Consider the Ink Business Premier® Credit Card if:
- You frequently make large purchases of $5,000 or more.
- You value comprehensive travel benefits.
- You are comfortable with the annual fee in exchange for high rewards.
- Consider the Ink Business Premier℠ Credit Card if:
- You want similar rewards but prefer a card with a potentially different fee structure.
- Your business spending aligns with the rewards offered.
Conclusion
Choosing between the Ink Business Premier® Credit Card and the Ink Business Premier℠ Credit Card ultimately depends on your business spending habits and financial goals. Review the features, benefits, and costs associated with each card to determine which option aligns best with your needs.