This card is built for businesses with sizable expenses, especially those that regularly make purchases above $5,000 and want a simple way to earn elevated cash back without tracking rotating categories. It works best as a high-spend business card rather than a general small-business starter card.
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Overview
Large vendor payments
High-volume business spending
Business travel protections
The Ink Business Premier is worth a close look if your business routinely puts big-ticket purchases on a card. The main reason is straightforward: 2.5% back on purchases of $5,000 or more is unusually strong for uncapped business spending, and the 2% back on everything else is still solid. If you have inventory buys, equipment purchases, marketing bills, or other large invoices that can be paid by card, the $195 annual fee is not hard to justify.
It is a weaker fit for businesses with lighter spending or for owners who want a flexible travel points card. This card is really about straightforward business cash back, with useful travel and purchase protections layered on top. If your spending rarely reaches that $5,000 threshold, you may not get enough extra value here to choose it over a lower-fee or no-fee business card.
A strong pick for businesses that make frequent large purchases and want simple, high flat-rate cash back. Its appeal drops off if your spending is smaller or you are primarily looking for a travel rewards card.
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
The rewards structure is simple: you earn a solid return on all business spending, with an extra bump on purchases of $5,000 or more. For many businesses, that makes this card less about category strategy and more about where your biggest bills land.
Lyft rides
Travel (Chase Travel)
Large purchases ($5k+)
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
None
Balance Transfer
None
Cash Advance
$15
Late Payment
None
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
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
Earn 100,000 bonus points
Worth $1,500
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
