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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
IssuerColumn N.A.Chase
Card categorytravelbusiness
Best earning category (Lyft)3x1x
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. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

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 (Column N.A. 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.