Chase Ink Enterprise Most popular vs Ink Enterprise Premier: Bank card showdown

With so many enterprise bank cards available on the market, it may be tough to find out which is greatest to your firm’s wants.

Slicing by 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 buying protections.

Each are good choices, so let’s break it down.

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 value $1,845 primarily based 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 value virtually double that of the Premier.

Associated: The ability of the Chase Trifecta

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• 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: If you happen to should cancel or lower a visit brief due to a coated situation (comparable to sickness or extreme climate), you are eligible for as much as $5,000 of protection per particular person for pay as you go, nonrefundable journey bills, which gives nice peace of thoughts when surprising issues come up. Protection is restricted to $10,000 per journey.

• Major automobile rental protection: If you happen to use both card for all the rental price and are touring for enterprise functions, you are coated for theft and injury 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 automobiles 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 yr. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
• Cellphone safety: If you happen to pay your month-to-month cellphone invoice together with your card and your cellphone is stolen or broken, you’ll be able to 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.

The Ink Enterprise Most popular presents extra bonus classes than the Ink Enterprise Premier. You may earn 3 factors per greenback spent on the primary $150,000 in mixed purchases per account yr within the following classes (then 1 level per greenback):

• Journey
• Delivery purchases
• Web, cable and telephone companies
• Promoting purchases made with social media websites and search engines like google

On all different purchases, you may earn 1 level per greenback spent. Since Chase Final Rewards are value 2.05 cents per level, primarily based 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 presents each fascinating bonus classes and powerful 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 at the least 2% money again on each buy is powerful 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 giant 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. If you happen to’re seeking to simplify your corporation bills and simply have one card for all the things, the Ink Enterprise Premier is the winner. However the Ink Enterprise Most popular will provide you with extra redemption choices, because it earns transferable rewards.

With the Ink Enterprise Most popular, along with redeeming your factors for money — the place 1 level is value 1 cent — you can even use them towards journey in two totally different types. You may both redeem factors towards journey reservations by Chase Journey, the place factors are value 1.25 cents every, or switch them to considered one of Chase’s priceless 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 value 2.05 cents apiece as of March 2025 while you leverage these switch companions, because of the variety of choices they open up. Factors may also be redeemed for reward playing cards, by PayPal and at Amazon checkout.

With the Ink Enterprise Premier, nonetheless, your redemption choices are extra restricted. You may get constant worth out of every redemption technique, nonetheless, which can be favorable for enterprise homeowners with out quite a lot of time on their fingers. 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 value considerably extra.

Associated: Maximizing Chase Final Rewards

The brief reply — it relies upon. If you do not have a premium Chase Final Rewards card that lets you redeem factors towards journey, then the Ink Enterprise Most popular is a good selection. But when your spending classes are far more diversified (or do not embody these elevated bonus classes) and you favor to earn money again, you may be higher off with the Ink Enterprise Premier.

For a mid-tier bank card, each are robust selections for enterprise bank cards, in their very own method. The 2 playing cards supply nice methods to earn factors or money again, whereas additionally providing advantages that may assist shield you in a time of want.

Additionally, if you have already got the Ink Enterprise Most popular card, that does not forestall 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’ll be able to take a step away from work in some unspecified time in the future and really get pleasure from a trip.

To be taught extra, learn our full critiques of the Ink Enterprise Most popular and Ink Enterprise Premier.

Apply right here: Ink Enterprise Most popular
Apply right here: Ink Enterprise Premier