WalletFlo is now Flo. Same app, same account, new name.

Card Review

Credit CardChase
Ink Business Premier credit card

Ink Business Premier

Annual Fee

$195Charged Yearly

Welcome Bonus

1,000 pts welcome offer

EST. Net Value

$444/yr

Credit Score

Varies

Top Earn Rate

5x travel


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Travel

5x

Everything else

2x

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Ink Business Premier from Chase carries a $195 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $639.00 in rewards plus $0.00 in credits and perks — $444.00 net per year before welcome bonuses.

How the points work

Earn 2.5X on purchases of $5,000 or more.

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • TravelChase Travel Portal
    5×
  • Everything elseAll Purchases
    2×

Welcome offer

1,000 points

  • Spend $10,000 in 90 days
  • Est. value: $10 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • No statement credits listed for this card

Benefits

  • Auto Rental Coverage

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles.

  • Purchase Protection

    Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.

  • Extended Warranty Protection

    Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.

  • Cell Phone Protection

    Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.

  • Travel and Emergency Assistance

    Provides legal and medical referrals and access to other travel and emergency assistance services.

  • Roadside Assistance

    If you have a roadside emergency, call the service provider to dispatch help. Service fees will be billed to your card.

  • Employee cards at no additional cost

    Set individual spending limits and earn rewards on employee purchases.

Transfer partners

Where this card's points can go, and at what ratio. 12 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • Iberia Plus1:1
  • JetBlue TrueBlue1:1
  • Singapore KrisFlyer1:1
  • Southwest Rapid Rewards1:1
  • United MileagePlus1:1
  • Virgin Atlantic Flying Club1:1
  • World of Hyatt1:1
  • IHG One Rewards1:1
  • Marriott Bonvoy1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$195
Stated credits+$0
Perks (est.)+$0
Net after credits & perks-$195

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$444/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $195 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Ink Business Premier

Apply Now