Apple Card vs Ink Business Premier
Side-by-side comparison
| Apple Card | Ink Business Premier | |
|---|---|---|
| Annual fee | No annual fee | $195 |
| Welcome offer | No current offer | $1,000 cash back |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Apple Card earns about $900 a year in rewards and the Ink Business Premier about $900, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Ink Business Premier charges $195, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Apple Card delivers more total value, about $195 a year more for a typical spender, mostly because it skips the annual fee the other charges. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Ink Business Premier currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.