An ink-jet ink comprising an aqueous ink vehicle, an aqueous pigment dispersion and a polymeric binder, wherein said aqueous pigment dispersion comprises a colorant and a cross-linked polyurethane dispersant, and said polymeric binder is non-reactive to said colorant, and wherein said polyurethane dispersant is comprised of a polymer with: (a) an aqueous dispersing moiety, and (b) a cross-linkable moiety cross-linked with a cross-linking agent, wherein said cross-linkable moiety is pendent to the polymer backbone and terminal to the polymer chain and comprises one or more members selected from the group consisting of carboxyl, hydroxyl, amino and mercapto; wherein the polyurethane dispersant comprises at least one compound of the general structure of Formula I: wherein each X is independently OH, SH, COOH or NHR 4; each Y is independently O, S or NR 4; each W is NH, O or S; each R 1 is independently C 1 -C 20 alkyl, C 3 -C 20 substituted alkyl, C 6 -C 40 aryl or C 9 -C 40 substituted aryl; R 2 is comprised of difunctional isocyanate reactants Z 1, Z 2 and Z 3, wherein there is at least one Z 1, at least one Z 2 and at least one Z 3; each R 3 is independently C 1 -C 20 alkyl or C 3 -C 20 substituted alkyl; each R 4 is independently -R 3 -A, H, C 1 -C 20 alkyl or C 3 -C 20 substituted alkyl; each A is independently OH, SH or COOH; n is an integer from 2 to 30; Z 1 is a difunctional isocyanate reactant substituted with an aqueous dispersing moiety; Z 2 is a difunctional isocyanate reactant substituted with one or more cross-linkable moieties; and Z 3 is a polyol with MW less than 3000; wherein Z 2 may be the same as Z 1, or Z 2 may be the same as Z 3, provided Z 2 has one or more cross-linkable moieties. (a) an aqueous dispersing moiety, and (b) a cross-linkable moiety cross-linked with a cross-linking agent, wherein said cross-linkable moiety is pendent to the polymer backbone and terminal to the polymer chain and comprises one or more members selected from the group consisting of carboxyl, hydroxyl, amino and mercapto; wherein the polyurethane dispersant comprises at least one compound of the general structure of Formula I: wherein each X is independently OH, SH, COOH or NHR 4; each Y is independently O, S or NR 4; each W is NH, O or S; each R 1 is independently C 1 -C 20 alkyl, C 3 -C 20 substituted alkyl, C 6 -C 40 aryl or C 9 -C 40 substituted aryl; R 2 is comprised of difunctional isocyanate reactants Z 1, Z 2 and Z 3, wherein there is at least one Z 1, at least one Z 2 and at least one Z 3; each R 3 is independently C 1 -C 20 alkyl or C 3 -C 20 substituted alkyl; each R 4 is independently -R 3 -A, H, C 1 -C 20 alkyl or C 3 -C 20 substituted alkyl; each A is independently OH, SH or COOH; n is an integer from 2 to 30; Z 1 is a difunctional isocyanate reactant substituted with an aqueous dispersing moiety; Z 2 is a difunctional isocyanate reactant substituted with one or more cross-linkable moieties; and Z 3 is a polyol with MW less than 3000; wherein Z 2 may be the same as Z 1, or Z 2 may be the same as Z 3, provided Z 2 has one or more cross-linkable moieties. wherein each X is independently OH, SH, COOH or NHR 4; each Y is independently O, S or NR 4; each W is NH, O or S; each R 1 is independently C 1 -C 20 alkyl, C 3 -C 20 substituted alkyl, C 6 -C 40 aryl or C 9 -C 40 substituted aryl; R 2 is comprised of difunctional isocyanate reactants Z 1, Z 2 and Z 3, wherein there is at least one Z 1, at least one Z 2 and at least one Z 3; each R 3 is independently C 1 -C 20 alkyl or C 3 -C 20 substituted alkyl; each R 4 is independently -R 3 -A, H, C 1 -C 20 alkyl or C 3 -C 20 substituted alkyl; each A is independently OH, SH or COOH; n is an integer from 2 to 30; Z 1 is a difunctional isocyanate reactant substituted with an aqueous dispersing moiety; Z 2 is a difunctional isocyanate reactant substituted with one or more cross-linkable moieties; and Z 3 is a polyol with MW less than 3000; wherein Z 2 may be the same as Z 1, or Z 2 may be the same as Z 3, provided Z 2 has one or more cross-linkable moieties.