Ink Business Premier Credit Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Ink Business Premier Credit Card and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ink Business Premier Credit Card wins on our scorecard (7.6/10 vs 7.3/10).
| Scored on | Ink Business Premier Credit Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 7 | 6 |
| Features | 8 | 8 |
| Annual Fee | $195 | $250 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 19.49% - 27.49% (Variable) | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, Ink Business Premier Credit Card or The Plum Card from American Express?
On our five-axis scorecard, Ink Business Premier Credit Card scores higher (7.6/10 vs 7.3/10). A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.