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Chase Ink Business Premier vs Chase Ink Business Preferred

Both are business travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the Chase Ink Business Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Chase Ink Business Premier costs $100 more per year — only worth it if you'll actually use the upgraded perks.

FeatureChase Ink Business PremierChase Ink Business Preferred
Annual fee$195$95
Sign-up bonus100,000 points100,000 points
Bonus value (est.)$2,000$2,000
Min spend to unlock bonus$10,000 in 3 mo$8,000 in 3 mo
IssuerChaseChase
Card categorybusinessbusiness
Best earning category (Travel_chase)5x1x
Transfer partnerschase-urchase-ur
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
  • 100,000 point sign-up bonus
  • 3x on travel, shipping & advertising
  • Cell phone protection
  • Transfer to UR partners
Read the full review
Chase Ink Business Premier
$195/yr · 100,000 points
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 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.

Editorial take: Chase Ink Business Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on shipping, travel, and advertising plus full UR transfer access. A no-brainer for business owners.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Premier or Chase Ink Business Preferred?
The two cards offer comparable sign-up bonuses around $2,000. Pick based on which earning categories you actually use.
Is the Chase Ink Business Premier's $195 annual fee worth it compared to the Chase Ink Business Preferred?
At $195/yr, the Chase Ink Business Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Ink Business Preferred's — pick the one whose perks you'll actually use.
Can I have both the Chase Ink Business Premier and Chase Ink Business Preferred?
Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Chase Ink Business Premier or the Chase Ink Business Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 spend in 3 months. Chase Ink Business Preferred: $8,000 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.