Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
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Side-by-side
Bank of America Premium Rewards vs Chase Ink Business Cash
Both are well-respected travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the Chase Ink Business Cash from Chase at $0/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 Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Bank of America Premium Rewards's. Get the Chase Ink Business Cash first; revisit the Bank of America Premium Rewards after you've earned that bonus.
| Feature | Bank of America Premium Rewards | Chase Ink Business Cash |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Not advertised | $750 bonus cash back |
| Bonus value (est.) | - | $750 |
| Min spend to unlock bonus | - | $6,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | travel | business |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Bank of America Premium Rewards
$95/yr ·
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Editorial take: Chase Ink Business Cash
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or Chase Ink Business Cash?
- The Chase Ink Business Cash has a public bonus ($750 bonus cash back, worth roughly $750), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Chase Ink Business Cash?
- At $95/yr, the Bank of America Premium Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Ink Business Cash's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Chase Ink Business Cash?
- Yes, since they're from different issuers (Bank of America 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 Bank of America Premium Rewards or the Chase Ink Business Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. Chase Ink Business Cash: $6,000 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.