Discover it® Cash Back vs Ink Business Premier
Discover it® Cash Back
$0/yr
7.0/10
VS
Ink Business Premier
$195/yr
6.0/10
Quick Answer
Discover it® Cash Back charges no annual fee with 1X base rewards. Ink Business Premier charges $195/yr with 1X base rewards. Discover it® Cash Back offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Discover it® Cash Back →
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Winner by Category
Annual Fees
Discover it® Cash Back
Lower annual fee ($0 vs $195)
Rewards Earning
Ink Business Premier
3 earning categories
Benefits & Protection
Discover it® Cash Back
8 benefits vs 0
Statement Credits
Ink Business Premier
$300 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Discover it® Cash Back wins for most people
The $195 fee difference is hard to justify unless you maximize premium benefits.
Apply for Discover it® Cash BackPREMIUM PICK
Ink Business Premier wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Ink Business PremierRewards Earning: Detailed Comparison
Discover it® Cash Back
| Rotating 5% Categories | 5.0X (up to $1,500) |
| Everything Else | 1.0X |
Ink Business Premier
| Everything | 2.0X |
| Purchases of $5,000+ | 2.5X |
| Travel (Chase Travel) | 5.0X |
Card Benefits: Detailed Comparison
Discover it® Cash Back (8 benefits)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Product Warranty
- Extended Warranty Protection
- Return Protection (up to $500)
- $0 Fraud Liability Guarantee
- Free FICO® Credit Score
- Freeze It® Card Lock
Ink Business Premier (0 benefits)
No benefits data available