With so many enterprise bank cards available on the market, it may be tough to find out which is finest to your firm’s wants.
Slicing by way of all of it, the Ink Enterprise Most popular® Credit score Card is considered one of our favorites. In the identical household, the Ink Enterprise Premier® Credit score Card is a cash-back possibility providing a easy incomes construction and stable journey and procuring protections.
Each are good choices, so let’s break it down.
Ink Enterprise Most popular vs. Ink Enterprise Premier comparability
Let’s begin with a fast overview of every card’s highlights.
| Ink Enterprise Most popular | Ink Enterprise Premier | |
|---|---|---|
| Annual charge | $95 | $195 |
| Welcome supply | Earn 90,000 bonus factors after spending $8,000 within the first three months of account opening. | Earn $1,000 money again after spending $10,000 within the first three months of account opening. |
| Bonus classes |
|
|
| Redemption choices | Redeem for money again, reward playing cards, PayPal, at Amazon checkout and 1.25 cents every to guide journey by way of Chase Journey℠ or switch at a 1:1 ratio to journey companions | Redeem for money again, journey, reward playing cards, PayPal and at Amazon checkout |
| Card advantages |
|
|
Ink Enterprise Most popular vs. Ink Enterprise Premier welcome supply
With the Ink Enterprise Most popular, you may earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
The welcome supply is price $1,845 based mostly on TPG’s March 2025 valuations.
New Ink Enterprise Premier cardholders can earn $1,000 money again after spending $10,000 in purchases inside three months of account opening.
Winner: Ink Enterprise Most popular. It has the higher hand as its welcome supply is price virtually double that of the Premier.
Associated: The ability of the Chase Trifecta
Every day E-newsletter
Reward your inbox with the TPG Every day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Ink Enterprise Most popular vs. Ink Enterprise Premier advantages
Each playing cards supply the very same advantages in the case of buy and journey safety. With each playing cards, you may obtain:
- Buy safety: If an eligible merchandise is broken or stolen inside the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account).
- Journey cancellation/interruption insurance coverage: When you should cancel or lower a visit brief due to a coated situation (reminiscent of sickness or extreme climate), you are eligible for as much as $5,000 of protection per individual for pay as you go, nonrefundable journey bills, which offers nice peace of thoughts when surprising issues come up. Protection is proscribed to $10,000 per journey.
- Major automobile rental protection: When you use both card for all the rental value and are touring for enterprise functions, you are coated for theft and harm within the U.S. and most nations worldwide. Do not forget that this does not supply any legal responsibility protection, however you’re coated as much as $60,000 for many rental vehicles with an MSRP of $125,000 or much less.
- Prolonged guarantee safety: Purchases with a U.S. producer’s guarantee of three years or much less will get protection for an additional 12 months. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
- Cellphone safety: When you pay your month-to-month cellphone invoice together with your card and your cellphone is stolen or broken, you may obtain as much as $1,000 per declare, with a $100 deductible — for as much as three claims per 12-month interval.
Each playing cards additionally lack overseas transaction charges, making them nice for worldwide purchases.
Winner: Tie. Each playing cards supply the very same advantages.
Incomes rewards on the Ink Enterprise Most popular vs. Ink Enterprise Premier
The Ink Enterprise Most popular provides extra bonus classes than the Ink Enterprise Premier. You will earn 3 factors per greenback spent on the primary $150,000 in mixed purchases per account 12 months within the following classes (then 1 level per greenback):
- Journey
- Transport purchases
- Web, cable and telephone providers
- Promoting purchases made with social media websites and search engines like google and yahoo
On all different purchases, you may earn 1 level per greenback spent. Since Chase Final Rewards are price 2.05 cents per level, based mostly on TPG’s March 2025 valuations, you are incomes a 6.15% return in your class bonus purchases and a 2.05% return on all different purchases.
The Ink Enterprise Premier provides each attention-grabbing bonus classes and robust on a regular basis earnings. With this card, you may accrue:
- 2.5% money again on each buy of $5,000 or extra
- 2% money again on each buy
Incomes a minimum of 2% money again on each buy is robust however not distinctive. Many different cash-back playing cards supply the identical return, such because the Citi Double Money® Card (see charges and charges), which earns 1% while you make a purchase order and 1% while you pay that buy off, and the Capital One Spark Money Plus.
However in case you typically make massive purchases over $5,000, then incomes that further half p.c in money again can prevent some huge cash in the long run.
Winner: Tie. When you’re seeking to simplify your corporation bills and simply have one card for every thing, the Ink Enterprise Premier is the winner. However the Ink Enterprise Most popular gives you extra redemption choices, because it earns transferable rewards.
Redeeming and transferring rewards on the Ink Enterprise Most popular vs. Ink Enterprise Premier
Despite the fact that each playing cards are “Chase Ink” bank cards, their redemption choices are totally different.
With the Ink Enterprise Most popular, along with redeeming your factors for money — the place 1 level is price 1 cent — you may also use them towards journey in two totally different varieties. You’ll be able to both redeem factors towards journey reservations by way of Chase Journey, the place factors are price 1.25 cents every, or switch them to considered one of Chase’s useful switch companions.
TPG bank cards editor Olivia Mittak loves utilizing her Final Rewards factors for Hyatt stays. She lately redeemed 12,000 factors for a three-night keep on the Hyatt Home Frankfurt Eschborn in Germany.
TPG estimates Chase Final Rewards factors to be price 2.05 cents apiece as of March 2025 while you leverage these switch companions, because of the variety of choices they open up. Factors can be redeemed for reward playing cards, by way of PayPal and at Amazon checkout.
With the Ink Enterprise Premier, nonetheless, your redemption choices are extra restricted. You will get constant worth out of every redemption methodology, nonetheless, which can be favorable for enterprise house owners with out numerous time on their arms. Ink Enterprise Premier cardholders can redeem their rewards for money again, reward playing cards, journey, at Amazon checkout and with PayPal.
Sadly, the rewards you earn on the Ink Enterprise Premier cannot be transferred to Chase’s airline and resort companions.
Winner: Ink Enterprise Most popular. It has many extra choices and the rewards you earn are price considerably extra.
Associated: Maximizing Chase Final Rewards
Ought to I get the Ink Enterprise Most popular or Ink Enterprise Premier?
The brief reply — it relies upon. If you do not have a premium Chase Final Rewards card that means that you can redeem factors towards journey, then the Ink Enterprise Most popular is a superb alternative. But when your spending classes are way more diversified (or do not embrace these elevated bonus classes) and you like to earn money again, you may be higher off with the Ink Enterprise Premier.
Backside line
For a mid-tier bank card, each are robust decisions for enterprise bank cards, in their very own means. The 2 playing cards supply nice methods to earn factors or money again, whereas additionally providing advantages that can assist shield you in a time of want.
Additionally, if you have already got the Ink Enterprise Most popular card, that does not stop you from making use of for the Ink Enterprise Premier. Combining the advantages of each can really enable your corporation to earn a plethora of factors and money again, providing you with extra rewards in your pocket so you may take a step away from work sooner or later and really take pleasure in a trip.
To be taught extra, learn our full opinions of the Ink Enterprise Most popular and Ink Enterprise Premier.
Apply right here: Ink Enterprise Most popular
Apply right here: Ink Enterprise Premier
