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BECU Low Rate Credit Card vs Chase Ink Business Premier
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the Chase Ink Business Premier from Chase at $195/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the BECU Low Rate Credit Card's. Get the Chase Ink Business Premier first; revisit the BECU Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Low Rate Credit Card | Chase Ink Business Premier |
|---|---|---|
| Annual fee | $0 | $195 |
| Sign-up bonus | No welcome bonus | $1,000 cash back |
| Bonus value (est.) | $0 | $1,000 |
| Min spend to unlock bonus | $0 in 0 mo | $10,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | business |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Chase Ink Business Premier
$195/yr · $1,000 cash back
Editorial take: Chase Ink Business Premier
Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or Chase Ink Business Premier?
- The Chase Ink Business Premier has the bigger bonus, $1,000 cash back, worth roughly $1,000, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the Chase Ink Business Premier?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the Chase Ink Business Premier's $195 fee is justified by its perks. If you'll use enough of the Chase Ink Business Premier's benefits to clear $195 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and Chase Ink Business Premier?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Low Rate Credit Card or the Chase Ink Business Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. Chase Ink Business Premier: $10,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.