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Side-by-side

Bilt Blue vs Chase Ink Business Premier

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless 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 ($900 more in estimated value) than the Bilt Blue's. Get the Chase Ink Business Premier first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueChase Ink Business Premier
Annual fee$0$195
Sign-up bonus$100 Bilt Cash$1,000 cash back
Bonus value (est.)$100$1,000
Min spend to unlock bonus$0 in 0 mo$10,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelbusiness
Best earning category (Rent)1x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Chase Ink Business Premier
$195/yr · $1,000 cash back

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

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, Bilt Blue or Chase Ink Business Premier?
The Chase Ink Business Premier has the bigger bonus, $1,000 cash back, worth roughly $1,000, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Chase Ink Business Premier?
The Bilt Blue 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 Bilt Blue.
Can I have both the Bilt Blue and Chase Ink Business Premier?
Yes, since they're from different issuers (Bilt / Cardless 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 Bilt Blue or the Chase Ink Business Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $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.