The Ink Business Premier Credit Card is designed for business owners who want simple, high-earning cash back without tracking bonus categories. It is particularly effective for companies making frequent large transactions, where elevated earnings kick in automatically.
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Overview
Large business transactions
Flat-rate cash back
Primary rental car protection
For businesses with substantial monthly expenses, the Ink Business Premier justifies its $195 annual fee very quickly. Earning unlimited 2% cash back on all general purchases creates a solid foundation, while the rate jumps to 2.5% on single transactions of $5,000 or more. A business spending $10,000 a month in operational costs will easily clear hundreds of dollars in net value every year after accounting for the fee.
The key tradeoff lies in how rewards are redeemed. Unlike cards in the standard Chase Ultimate Rewards ecosystem, earnings on the Ink Business Premier cannot be transferred to airline and hotel partners or combined with Sapphire cards. If your priority is maximum cash back on big invoices, this card fits the bill, but travel enthusiasts looking for flexible points will be better served elsewhere.
This card is an ideal cash-back engine for businesses with large individual invoice amounts, though its rewards cannot be transferred to Chase travel partners.
Welcome Offer
after you spend $10,000 on purchases in the first 3 months from account opening.
Est. Value
$1,000
Required Spend
$10,000
Time Frame
3 Months
Est. Value
$1,000
Required Spend
$10,000
Time Frame
3 Months
Earning
Rewards accrue as cash back on every purchase, with simple tiering based on transaction size rather than spending categories.
Lyft rides
Travel (Chase Travel)
Purchases of $5,000+
All Other Business Purchases
Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point
Benefits
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$195
Foreign Transaction Fee
$0
Balance Transfer
N/A
Cash Advance
Either $15 or 5% of the amount of each transaction, whichever is greater.
Late Payment
N/A
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
