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Side-by-side

Chase Ink Business Premier vs Discover it Cash Back

Both are well-respected travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the Discover it Cash Back from Discover at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Ink Business Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($800 more in estimated value) than the Discover it Cash Back's. Get the Chase Ink Business Premier first; revisit the Discover it Cash Back after you've earned that bonus.

FeatureChase Ink Business PremierDiscover it Cash Back
Annual fee$195$0
Sign-up bonus$1,000 cash backCashback Match (first year, unlimited)
Bonus value (est.)$1,000$200
Min spend to unlock bonus$10,000 in 3 mo$0 in 12 mo
IssuerChaseDiscover
Card categorybusinesscashback
Best earning category (Travel_chase)5x1x
Transfer partnersNoneNone
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
  • 5% rotating categories
  • First-year match
  • No annual fee
  • No foreign tx fees
Read the full review
Chase Ink Business Premier
$195/yr · $1,000 cash back
Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)

Editorial take: Chase Ink Business Premier

Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.

Editorial take: Discover it Cash Back

The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Premier or Discover it Cash Back?
The Chase Ink Business Premier has the bigger bonus, $1,000 cash back, worth roughly $1,000, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
Is the Chase Ink Business Premier's $195 annual fee worth it compared to the Discover it Cash Back?
At $195/yr, the Chase Ink Business Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Discover it Cash Back's, pick the one whose perks you'll actually use.
Can I have both the Chase Ink Business Premier and Discover it Cash Back?
Yes, since they're from different issuers (Chase and Discover) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Ink Business Premier or the Discover it Cash Back first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 spend in 3 months. Discover it Cash Back: $0 in 12 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.