Ink Business Premier
Chase$195 a yearVisa Signature BusinessNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? On typical spending it does not cover the annual fee: weigh a downgrade or closing it before it renews.
Welcome bonus
$1,000
after $10,000 in purchases in the first 3 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$1,000 cash | $1,000 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | −$195 |
| Meeting the $10,000 minimumearns 2% here, the same as Double Cash | $0 |
| First year | $805 |
| Each year after | +$50 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5% | Travel booked through Chase Travel | 5% |
| 5% | Lyft | 5% |
| 2.5% | Purchases of $5K or more | 2.5% |
| 2% | Everything else | 2% |
Business card · Earns Cash Back
Benefits
Protections (9)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per person and $10,000 per trip for non-refundable trip costs
- Trip Delay, up to $500, Up to $500 per ticket for delays over 12 hours or overnight
- Lost Luggage, up to $3,000, Up to $3,000 per passenger for lost baggage
- Baggage Delay, up to $500, Up to $100 per day for 5 days ($500 max) when baggage delayed 6+ hours
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original). Up to $10,000 per item, $50,000 per calendar year.
- Auto Rental Collision Damage Waiver (primary), up to $60,000, Primary coverage up to $60,000 for rental vehicle damage or theft
- Cell Phone Protection, up to $1,000, Up to $1,000 per claim for cell phone damage or theft when bill paid with card, max 3 claims per 12 months. Excludes damage that doesn’t interfere with calls.
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from null to Ink PremierOct 8, 2026
- changed from null to 10000Aug 13, 2026
- changed from null to 90Aug 13, 2026