Is the Chase Ink Business Premier worth it in 2026?

Churn it+$805 year one

Worth it for year 1 — the welcome bonus clears the fee — but the recurring credits don't cover the fee on their own. Bank the bonus and cancel or downgrade before the second annual fee posts.

Assumes you use every recurring credit and value points at 1.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus100,000 pts × 1.0¢: +$1,000
Recurring credits (if fully used): +$0
Annual fee: −$195
Year-one value: +$805
Ongoing (year 2+, no bonus)credits − fee: −$195

Apply for the Chase Ink Business Premier

The application happens on Chase Ultimate's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Chase Ink Business PremieriOS app coming soon

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FAQ

Is the Chase Ink Business Premier worth it in 2026?

Churn it. Worth it for year 1 — the welcome bonus clears the fee — but the recurring credits don't cover the fee on their own. Bank the bonus and cancel or downgrade before the second annual fee posts. This assumes you use every recurring credit and value points at 1.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Chase Ink Business Premier?

If you won't use enough of the credits, yes. The recurring credits net −$195 against the fee, so year 2+ is negative unless the welcome bonus or a one-time perk justified year 1.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.