Ink Business Premier vs Platinum Rewards
Ink Business Premier
$195/yr
6.0/10
VS
Platinum Rewards
$0/yr
7.0/10
Quick Answer
Ink Business Premier charges $195/yr with 1X base rewards. Platinum Rewards charges no annual fee with 1X base rewards. Platinum Rewards offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Platinum Rewards
Lower annual fee ($195 vs $0)
Rewards Earning
Ink Business Premier
3 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Ink Business Premier
$300 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Platinum Rewards wins for most people
The $195 fee difference is hard to justify unless you maximize premium benefits.
Apply for Platinum RewardsPREMIUM 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
Ink Business Premier
| Everything | 2.0X |
| Purchases of $5,000+ | 2.5X |
| Travel (Chase Travel) | 5.0X |
Platinum Rewards
| Hotels, flights, car rentals (travel portal) | 5.0X |
| Dining & gas | 3.0X |
| Everything else | 1.0X |