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Ink Business Premier credit card

Chase

Ink Business Premier

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Card review

Ink Business Premier

Chase

Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$195

Welcome bonus

1,000 pts welcome offer

Est. net value

$444/yr

Credit score

Varies

Top earn rate

5x travel

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
Everything elseAll Purchases

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.

Benefits & perks

  • Auto Rental Coverage

    Primary coverage when renting for business purposes. Provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles.

  • Travel and Emergency Assistance

    Provides legal and medical referrals and access to other travel and emergency assistance services when you're away from home.

  • Roadside Assistance

    Call for dispatch if you have a roadside emergency. Service fees will be billed to your card.

  • Purchase Protection

    Covers 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.

  • Employee cards at no additional cost

    Set individual spending limits and earn rewards faster with employee cards.

  • Flex for Business

    A portion of your credit line allows you to pay for purchases over time with interest, while the rest is a Pay in Full balance.

Included, not priced

  • Cell Phone Protection

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

Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.

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.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

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

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
See the annual fee analysis above, or open the full calculator to model credits and perks against $195 per year.

Ready to apply?

Ink Business Premier

Apply now