Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Chase Ink Business Premier vs USAA Preferred Cash Rewards

Both are well-respected travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the USAA Preferred Cash Rewards from USAA 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 Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the USAA Preferred Cash Rewards's. Get the Chase Ink Business Premier first; revisit the USAA Preferred Cash Rewards after you've earned that bonus.

FeatureChase Ink Business PremierUSAA Preferred Cash Rewards
Annual fee$195$0
Sign-up bonus$1,000 cash back$250 cash bonus
Bonus value (est.)$1,000$250
Min spend to unlock bonus$10,000 in 3 mo$1,000 in 3 mo
IssuerChaseUSAA
Card categorybusinesscashback
Best earning category (Travel_chase)5x1x
Transfer partnersNoneNone
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
    Read the full review
    Chase Ink Business Premier
    $195/yr · $1,000 cash back
    Read the full review
    USAA Preferred Cash Rewards
    $0/yr · $250 cash bonus

    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: USAA Preferred Cash Rewards

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Premier or USAA Preferred Cash Rewards?
    The Chase Ink Business Premier has the bigger bonus, $1,000 cash back, worth roughly $1,000, versus $250 cash bonus (~$250) on the USAA Preferred Cash Rewards.
    Is the Chase Ink Business Premier's $195 annual fee worth it compared to the USAA Preferred Cash Rewards?
    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 USAA Preferred Cash Rewards's, pick the one whose perks you'll actually use.
    Can I have both the Chase Ink Business Premier and USAA Preferred Cash Rewards?
    Yes, since they're from different issuers (Chase and USAA) 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 Chase Ink Business Premier or the USAA Preferred Cash Rewards first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 spend in 3 months. USAA Preferred Cash Rewards: $1,000 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.