Ink Business Premier Credit Card vs Ramp Card: which one fits your business?
Side-by-side comparison of Ink Business Premier Credit Card and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7.6/10).
| Scored on | Ink Business Premier Credit Card | Ramp Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 6 | 10 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Annual Fee | $195 | $0 |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $40 | Varies by contract |
| Purchase APR | 19.49% - 27.49% (Variable) | — |
| Additional Employee Cards | — | $0 |
Ink Business Premier Credit Card in one paragraph
A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
Skip it if: Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, Ink Business Premier Credit Card or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.6/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Who should skip Ink Business Premier Credit Card?
Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.