Ink Business Premier vs Choice Privileges® Mastercard®
Side-by-side comparison
| Ink Business Premier | Choice Privileges® Mastercard® | |
|---|---|---|
| Annual fee | $195 | No annual fee |
| Welcome offer | $1,000 cash back | 60,000 points |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 3% |
| Travel | 2% | 5% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $714 |
| Points type | Cash back only | Locked to Choice Privileges |
| Network | Visa | Mastercard |
*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 Ink Business Premier earns about $900 a year in rewards and the Choice Privileges® Mastercard® about $714, valuing every point at a flat 1 cent. The Ink Business Premier charges $195, which you clear through its rewards and perks. The Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The two are close on value, but the Choice Privileges® Mastercard® edges ahead by about $9 a year, mostly because it earns more where you spend most, on travel and phone & internet. 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.
Pick the Ink Business Premier if your spending leans toward advertising, shipping, office supplies. Pick the Choice Privileges® Mastercard® if your spending leans toward phone & internet, travel.