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

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

Reducing by way of all of it, the Ink Business Preferred® Credit Card is one among our favorites. In the identical household, the Ink Business Premier® Credit Card is a cash-back choice providing a easy incomes construction and strong journey and purchasing protections.

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

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

The welcome provide 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 well-liked. It has the higher hand as its welcome provide 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 throughout the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account).
• Trip cancellation/interruption insurance: For those who should cancel or reduce 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 particular person 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: For those who use both card for the whole rental price and are touring for enterprise functions, you are coated for theft and injury within the U.S. and most international locations worldwide. Keep in mind that this does not provide 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 12 months. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
• Cellphone protection: For those who pay your month-to-month cellphone invoice together with your card and your cellphone is stolen or broken, you may 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 international transaction charges, making them nice for worldwide purchases.

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

The Ink Business Preferred provides extra bonus classes than the Ink Enterprise Premier. You will earn 3 factors per greenback spent on the primary $150,000 in mixed purchases per account 12 months within the following classes (then 1 level per greenback):

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

On all different purchases, you will 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 provides each attention-grabbing bonus classes and robust on a regular basis earnings. With this card, you will 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 robust however not distinctive. Many different cash-back playing cards provide the identical return, such because the Citi Double Cash® Card (see rates and fees), which earns 1% once you make a purchase order and 1% once 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 further half % in money again can prevent some huge cash in the long run.

Winner: Tie. For those who’re seeking to simplify what you are promoting bills and simply have one card for every part, the Ink Enterprise Premier is the winner. However the Ink Enterprise Most well-liked offers you 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 too can use them towards journey in two completely different types. You may both redeem factors towards journey reservations by way of Chase Journey, the place factors are value 1.25 cents every, or switch them to one among Chase’s valuable transfer partners.

TPG bank cards editor Olivia Mittak loves utilizing her Final Rewards factors for Hyatt stays. She just lately 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 once you leverage these switch companions, because of the variety of choices they open up. Factors may also be redeemed for present playing cards, by way of PayPal and at Amazon checkout.

With the Ink Business Premier, nevertheless, your redemption choices are extra restricted. You will get constant worth out of every redemption methodology, nevertheless, which can be favorable for enterprise house owners with out a number of time on their arms. Ink Enterprise Premier cardholders can redeem their rewards for money again, present 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 resort companions.

Winner: Ink Enterprise Most well-liked. 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 lets you redeem factors towards journey, then the Ink Business Preferred is a good alternative. But when your spending classes are rather more diversified (or do not embody these elevated bonus classes) and you like to earn money again, you will be higher off with the Ink Business Premier.

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

Additionally, if you have already got the Ink Enterprise Most well-liked card, that does not forestall you from making use of for the Ink Enterprise Premier. Combining the advantages of each can actually permit what you are promoting to earn a plethora of factors and money again, supplying you with extra rewards in your pocket so you may take a step away from work in some unspecified time in the future and actually take pleasure in 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