Chase Ink Business Preferred vs Ink Business Premier: Credit card showdown

With so many business credit cards in the marketplace, it may be tough to find out which is best for your company’s needs.

Slicing by all of it, the Ink Business Preferred® Credit Card is one in every of our favorites. In the identical household, the Ink Business Premier® Credit Card is a cash-back possibility providing a easy incomes construction and strong journey and buying protections.

Each are good choices, so let’s break it down.

With the Ink Business Preferred, you may earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.

The welcome supply is value $1,845 based mostly on TPG’s March 2025 valuations.

New Ink Business Premier cardholders can earn $1,000 money again after spending $10,000 in purchases inside three months of account opening.

Winner: Ink Enterprise Most popular. It has the higher hand as its welcome supply is value virtually double that of the Premier.

Associated: The power of the Chase Trifecta

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• Purchase protection: If an eligible merchandise is broken or stolen inside the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account).
• Trip cancellation/interruption insurance: If you happen to should cancel or lower a visit brief due to a coated problem (resembling sickness or extreme climate), you are eligible for as much as $5,000 of protection per individual for pay as you go, nonrefundable journey bills, which offers nice peace of thoughts when sudden issues come up. Protection is restricted to $10,000 per journey.

• Primary car rental coverage: If you happen to use both card for your complete rental price and are touring for enterprise functions, you are coated for theft and harm within the U.S. and most international locations worldwide. Do not forget that this does not supply any legal responsibility protection, however you’re coated as much as $60,000 for many rental vehicles with an MSRP of $125,000 or much less.
• Extended warranty protection: Purchases with a U.S. producer’s guarantee of three years or much less will get protection for an additional yr. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
• Cellphone protection: If you happen to pay your month-to-month cellphone invoice along with your card and your cellphone is stolen or broken, you’ll be able to obtain as much as $1,000 per declare, with a $100 deductible — for as much as three claims per 12-month interval.

Each playing cards additionally lack overseas transaction charges, making them nice for worldwide purchases.

Winner: Tie. Each playing cards supply the very same advantages.

The Ink Business Preferred presents extra bonus classes than the Ink Enterprise Premier. You may earn 3 factors per greenback spent on the primary $150,000 in mixed purchases per account yr within the following classes (then 1 level per greenback):

• Journey
• Delivery purchases
• Web, cable and telephone companies
• Promoting purchases made with social media websites and search engines like google

On all different purchases, you may earn 1 level per greenback spent. Since Chase Final Rewards are value 2.05 cents per level, based mostly on TPG’s March 2025 valuations, you are incomes a 6.15% return in your class bonus purchases and a 2.05% return on all different purchases.

The Ink Business Premier presents each fascinating bonus classes and powerful on a regular basis earnings. With this card, you may accrue:

• 2.5% money again on each buy of $5,000 or extra
• 2% money again on each buy

Incomes at the very least 2% money again on each buy is powerful however not distinctive. Many different cash-back playing cards supply the identical return, such because the Citi Double Cash® Card (see rates and fees), which earns 1% if you make a purchase order and 1% if you pay that buy off, and the Capital One Spark Cash Plus.

However for those who usually make massive purchases over $5,000, then incomes that additional half p.c in money again can prevent some huge cash ultimately.

Winner: Tie. If you happen to’re seeking to simplify your corporation bills and simply have one card for all the things, the Ink Enterprise Premier is the winner. However the Ink Enterprise Most popular will provide you with extra redemption choices, because it earns transferable rewards.

With the Ink Business Preferred, along with redeeming your factors for money — the place 1 level is value 1 cent — you may as well use them towards journey in two totally different types. You possibly can both redeem factors towards journey reservations by Chase Journey, the place factors are value 1.25 cents every, or switch them to one in every of Chase’s valuable transfer partners.

TPG bank cards editor Olivia Mittak loves utilizing her Final Rewards factors for Hyatt stays. She not too long ago redeemed 12,000 factors for a three-night keep on the Hyatt Home Frankfurt Eschborn in Germany.

TPG estimates Chase Final Rewards factors to be value 2.05 cents apiece as of March 2025 if you leverage these switch companions, because of the variety of choices they open up. Factors will also be redeemed for reward playing cards, by PayPal and at Amazon checkout.

With the Ink Business Premier, nonetheless, your redemption choices are extra restricted. You may get constant worth out of every redemption technique, nonetheless, which can be favorable for enterprise house owners with out a whole lot of time on their palms. Ink Enterprise Premier cardholders can redeem their rewards for money again, reward playing cards, journey, at Amazon checkout and with PayPal.

Sadly, the rewards you earn on the Ink Enterprise Premier cannot be transferred to Chase’s airline and lodge companions.

Winner: Ink Enterprise Most popular. It has many extra choices and the rewards you earn are value considerably extra.

Associated: Maximizing Chase Ultimate Rewards

The brief reply — it relies upon. If you do not have a premium Chase Final Rewards card that permits you to redeem factors towards journey, then the Ink Business Preferred is a superb alternative. But when your spending classes are far more different (or do not embrace these elevated bonus classes) and you like to earn money again, you may be higher off with the Ink Business Premier.

For a mid-tier bank card, each are robust selections for business credit cards, in their very own manner. The 2 playing cards supply nice methods to earn factors or money again, whereas additionally providing advantages that may assist defend you in a time of want.

Additionally, if you have already got the Ink Enterprise Most popular card, that does not stop you from making use of for the Ink Enterprise Premier. Combining the advantages of each can really enable your corporation to earn a plethora of factors and money again, providing you with extra rewards in your pocket so you’ll be able to take a step away from work sooner or later and really get pleasure from a trip.

To study extra, learn our full opinions of the Ink Business Preferred and Ink Business Premier.

Apply right here: Ink Business Preferred
Apply right here: Ink Business Premier