Ink Business Premier vs Ink Business Cash®
Side-by-side comparison
| Ink Business Premier | Ink Business Cash® | |
|---|---|---|
| Annual fee | $195 | No annual fee |
| Welcome offer | $1,000 cash back | |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 5% |
| Phone & internet | 2% | 5% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $684 |
| Points type | Cash back only | Pools with Chase → transferable |
| Network | Visa | 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 Ink Business Premier earns about $900 a year in rewards and the Ink Business Cash® about $684, valuing every point at a flat 1 cent. The Ink Business Premier charges $195, which you clear through its rewards and perks. The Ink Business Cash® has no annual fee, so its rewards are all profit. The two are close on value, but the Ink Business Premier edges ahead by about $21 a year, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Ink Business Cash® earns points you can move to travel partners for outsized value, while the Ink Business Premier pays plain cash back. Favor the Ink Business Cash® if you will use travel transfers, the Ink Business Premier if you want simplicity. On the sign-up bonus, the two are currently comparable in size. Note that Ink Business Cash® 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, travel. Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.