As the world’s most visited country, France is no stranger to welcoming tourists. But even by its own busy standards, 2023 was an absolute record-breaker. However, the dynamic will be slightly different this summer.
Chase Ink Business Preferred vs Ink Business Premier: Credit card showdown
10.05.2024 - 14:37 / thepointsguy.com
With so many business credit cards on the market, it can be difficult to determine which is best for your company's needs.
Cutting through it all, the Ink Business Preferred® Credit Card is one of our favorites. In the same family, the Ink Business Premier® Credit Card is a cash-back option launched in December 2021.
Both are solid options, but there is a clear winner for most business owners, so let's break it down.
Let's start with a quick overview of each card's highlights.
Earn 1 point per dollar on all other purchases
Earn 2.5% total cash back on every purchase of $5,000 or more
Earn 2% cash back on all other purchases
With the Ink Business Preferred, you'll earn 100,000 bonus Ultimate Rewards points after spending $8,000 in the first three months.
The Ink Business Premier is also offering 100,000 Ultimate Reward bonus points ($1,000 cash back) after you spend $10,000 in purchases within the same three-month time frame.
This cash back is earned in the form of Ultimate Rewards points. But unlike those from the Ink Business Preferred, you cannot transfer these to the program's airline and hotel partners, nor can you transfer them to your Ultimate Rewards account linked to another card like the Chase Sapphire Preferred® Card so that they become transferable (though you can transfer Ultimate Rewards points from your other card accounts into the one linked to your Ink Business Premier).
Instead, these points are always worth just 1 cent apiece, whether you redeem them for cash back or things like statement credits, gift cards and travel through the Chase portal. So, this welcome offer is worth $1,000 no matter how you use it.
Winner: Ink Business Preferred. It has the upper hand since its points are worth more when redeemed for travel.
Related: The power of the Chase Trifecta
Both cards offer the exact same benefits when it comes to purchase and travel protection. With both cards, you'll receive:
Winner: Tie. Both cards offer the exact same benefits.
The Ink Business Preferred offers more bonus categories than the Ink Business Premier so that you'll earn 3 points per dollar spent on the first $150,000 in combined purchases per account year in the following categories:
On all other purchases, or after you spend $150,000 combined in the above bonus categories, you'll earn 1 point per dollar spent. Since Chase Ultimate Rewards are worth 2 cents per point, based on TPG's valuation, you're earning a 6% return on your category bonus purchases and a 2% return on all other purchases.
The Ink Business Premier offers both interesting bonus categories and strong everyday earnings. With this card, you'll accrue:
Earning at least 2% cash back on every purchase is strong but not unique. Many other cash-back cards
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