The Points Pro logo The Points Pro

All cards

Compare points and miles cards

Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Ink Business Premier Card card art
Ink Business Premier 1 of 1
Comparing 1 card
Ink Business Premier Card card art
Chase
Ink Business Premier
Apply Details
Cost and value $195 fee
Annual fee
$195
Credits you can use a year, if you use every one
None
Fee after credits
$195 a year net cost
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $1,000 statement credit, about $1,000
Bonus
$1,000 statement credit
Estimated value
$1,000
Spend to earn it less a month is easier
$10,000 in 90 days about $3,333 a month
Earning rates Top rate 5% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Flights
2% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Hotels
2% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Travel (ground only)
2% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Everything else
2% back
Only on this card
  • 5% back Transit and rideshare
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Rental car
  • 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 with an MSRP of $125,000 or less.
Cell phone
  • Get up to $1,000 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.
Extended warranty
  • Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
Purchase protection
  • Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per claim and $50,000 per account.
Lifestyle and other perks None listed
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Cell phone protection
  • Extended warranty protection
  • Primary auto rental collision damage waiver
  • Purchase protection
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business