
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.
| Category | Rate |
|---|---|
| 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.
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
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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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.