Card comparisonSide by side
Ink Business Premier® Credit Card vs Old Navy Encore Mastercard®
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Barclays |
Card Network | ||
Card Type Data: 2/2 cards | business | cashback |
Card Tier Data: 2/2 cards | Premium | Entry Level |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $195 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 17.74% – 28.49% | 33.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn $1,000 | Earn 30 points |
Bonus Value | $1,000 | $30 |
Reward Rate Data: 2/2 cards | 5% back on chase_travel | 5x pts on gap inc. family of brands |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | Encore Rewards |
| Earning Rates | ||
| Gap Inc. family of brands | — | 5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| chase_travel | 5% backPurchases made through Chase Travel | — |
| eligible retail apparel brands | — | 3x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| everywhere else Mastercard is accepted | — | 1x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| lyft | 5% backQualifying Lyft products and services purchased through Lyft app through 09/30/2027 | — |
| other | 2% backAll other business purchases | — |
| purchases_over_5000 | 2.5% backTotal purchase of $5,000 or more | — |
| Benefits | ||
Key Benefits |
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