Capital One Savor vs Ink Business Premier
Side-by-side comparison
| Capital One Savor | Ink Business Premier | |
|---|---|---|
| Annual fee | No annual fee | $195 |
| Welcome offer | $1,000 cash back | |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 1% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $498 | $900 |
| Points type | Pools with Capital One → transferable | 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 Capital One Savor earns about $498 a year in rewards and the Ink Business Premier about $900, valuing every point at a flat 1 cent. The Capital One Savor 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 Ink Business Premier delivers more total value, about $207 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Savor earns points you can move to travel partners for outsized value, while the Ink Business Premier pays plain cash back. Favor the Capital One Savor if you will use travel transfers, the Ink Business Premier if you want simplicity. On the sign-up bonus, the Ink Business Premier currently has the larger welcome offer. Note that Capital One Savor is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Premier if your spending leans toward advertising, shipping, office supplies.