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Chase Ink Business Cash vs Ink Business Premier

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Ink Business Premier 2.0% 2% base rate
  2. Ink Business Cash 1.0% 1% base rate

Dining

  1. Ink Business Cash 2.0% 2%
  2. Ink Business Premier 2.0% 2% base rate

Gas

  1. Ink Business Cash 2.0% 2%
  2. Ink Business Premier 2.0% 2% base rate

Travel · portal

  1. Ink Business Premier · Chase Travel 5.0% 5%

Phone & internet

  1. Ink Business Cash 5.0% 5%
  2. Ink Business Premier 2.0% 2% base rate

Lyft

  1. Ink Business Cash 5.0% 5%
  2. Ink Business Premier 5.0% 5%

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Cash $0 and Ink Business Premier $195 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Premier takes everything else; Ink Business Cash takes phone & internet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Premier2.0%
DiningInk Business Cash2.0%
GasInk Business Cash2.0%
Travel · portalInk Business Premier · Chase Travel5.0%
Phone & internetInk Business Cash5.0%
LyftInk Business Cash5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Ink Business Premier — 2.0%
  2. Ink Business Cash — 1.0%

Dining

  1. Ink Business Cash — 2.0%
  2. Ink Business Premier — 2.0%

Gas

  1. Ink Business Cash — 2.0%
  2. Ink Business Premier — 2.0%

Travel · portal

  1. Ink Business Premier · Chase Travel — 5.0%

Phone & internet

  1. Ink Business Cash — 5.0%
  2. Ink Business Premier — 2.0%

Lyft

  1. Ink Business Cash — 5.0%
  2. Ink Business Premier — 5.0%
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