The Ink Business Premier Credit Card is built for high-spending companies that frequently make large single transactions and prefer straightforward cash back. It earns an uncapped 2.5% back on purchases of $5,000 or more and 2% back on all other business spending, making it a reliable option for heavy operational expenses.
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Overview
Large business purchases ($5,000+)
Flat-rate cash back
Cell phone and travel coverage
For businesses with heavy annual spending and frequent expenses of $5,000 or more, the Ink Business Premier easily justifies its $195 annual fee. Earning an unlimited 2.5% back on large purchases and 2% on all other spending provides a simple, high-value return without requiring you to track bonus categories or navigate complex redemptions. Practical protections, including primary auto rental coverage for business trips and up to $1,000 in cell phone protection per claim, add real operational value.
However, smaller operations or business owners who prefer redeeming points for award travel may want to consider other options. Unlike many other Chase cards, points earned on the Premier cannot be transferred to airline and hotel partners or combined with other cards to boost redemption value. If your business rarely makes single purchases over $5,000, a no-fee flat-rate card or a category-focused business card may offer better overall returns.
This card is an excellent cash-back engine for established businesses with major transaction volumes, though the inability to transfer points to travel partners limits its appeal for award travel strategists.
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
Earning centers on a flat cash-back structure with an added incentive for major single transactions and travel booked through Chase.
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
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
