Ink Business Premier® Credit Card
Earn 2.5% cash back on purchases over $5,000 with a $195 annual fee
The Ink Business Premier delivers unlimited 2% cash back on all business purchases, with an enhanced 2.5% rate on every purchase of $5,000 or more. The $195 annual fee breaks even at $9,750 in annual spending. Built with Flex for Business — a dual-structure credit line that lets you pay some balances in full each month while carrying others with interest when needed.
- Annual Fee
- $195
- cash back · Welcome Bonus
- $1,000
- Highest rate (conditional)
- Up to 5% (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $195
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $1,000 cash back
Spend: $10,000
Period: 3 months
Earning Rates
- 5%
Travel
5% total cash back on travel purchased through Chase Travel
- 5%
Hotels
- 5%
Flights
- 5%
Car Rentals
- 2.5%
Large Purchases
2.5% total cash back on every purchase of $5,000 or more
- 5%
LyftLimited time
Earn 5% cash back on Lyft rides through September 30, 2027
- 2%
All Other
Unlimited 2% cash back on all other business purchases
Earning Scenarios
2.5% Cash Back on Every Purchase of $5,000 or More
Earn an additional 0.5% on top of the base 2% rate when any single purchase bills at $5,000 or more. No spending caps. If items ship at different times and bill separately under $5,000 each, only the base 2% applies.
A $10,000 equipment purchase earns $250 cash back. At $50K annual spend on large purchases, that's $1,250 in rewards — more than 6x the annual fee.
2% Cash Back on All Other Business Purchases
Unlimited earning on everything from office supplies to software subscriptions. No category tracking required. Redeem cash back as statement credits, direct deposits, or gift cards with no minimums.
On $100K in total annual business spend, earn $2,000 cash back at the base rate alone — 10x the $195 annual fee.
5% Cash Back on Chase Travel Bookings
Book flights, hotels, and rental cars through Chase Travel to earn 5% total cash back (3% bonus on top of the 2% base rate). Access millions of travel options with no blackout dates.
Book $5,000 in annual business travel through Chase and earn $250 — covering 128% of the annual fee from travel alone.
5% Cash Back on Lyft Rides Through September 2027
Earn 5% total cash back on Lyft rides through September 30, 2027. Stack with Lyft promotions and rewards for maximum value on business transportation.
Spend $2,000 annually on Lyft for client meetings and earn $100 cash back — 51% of the annual fee covered.
Benefits & Perks
Insurance & Protections
6 protections$60,000 primary auto rental coverage
$60,000
primary
Primary coverage for business rentals — up to $60,000 reimbursement for theft and collision damage on vehicles with MSRP up to $125,000.
Purchase Protection
$10,000
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
$1000 cell phone protection
$1,000
Get up to $1,000 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bi...
Travel and Emergency Assistance
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. ...
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at tim...
Show all 6 protectionsShow fewer protections
Extended Warranty Protection ($10,000/item)
$10,000
Extends a manufacturer's warranty of 3 years or less by 1 year (max 4 years total), up to $10,000/item and $50,000/year.
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesRanked #83 of 119
How It Compares
The Ink Business Premier sits between the Ink Preferred's transferable Ultimate Rewards points and the Ink Cash's category-capped earning. You get flat-rate cash back with no spending caps, making it ideal for businesses with large, uncategorized expenses. The $195 fee breaks even at $9,750 annual spend.
The Math: Is $195 Worth It?
First-year value includes $1,000 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$195
Net Annual Value
-$195
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink Lifetime Rule | The new cardmember bonus may not be available to you if you have ever had this card |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 17.99%–28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Card Family
Chase Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Preferred | mid | — | |
| Chase Ink Business Cash | entry | — | |
| Chase Ink Business Unlimited | entry | — |
Media & Resources
Video Reviews
8 videosChase Ink Business Premier Credit Card Review | BEST Business Card in 2024?!
Which Chase Business Card is Right For You? [Compare Ink Cards]
Why I Got The WORST Chase Credit Card (Ink Premier)
Chase Ink Business Premier Credit Card Review 2025 | Worth It or Leave It?
Is the Chase Ink Business Premier Card the BEST Credit Card of 2024? Full Review
Breaking Down The Chase Ink Business Premier | REVIEW
Reviewing The New Chase Ink Business Premier Credit Card - Everything You Need To Know
Third-Party Articles & Reviews
Ink Business Premier Credit Card Analysis
Analysis highlighting the 5% cash back on Chase Travel bookings and examining how the card performs for travel-focused businesses despite being a cash back product.
Chase Ink Business Credit Card Comparison
Financial educator Erika Kullberg breaks down the Ink Business Premier, comparing it to other Ink cards and explaining who benefits most from the cash back structure versus transferable points.
Ink Business Premier Credit Card 2026 Review
US News Money review highlighting how big business spenders can maximize value from the flat 2% cash back rate and enhanced 2.5% rate on large purchases over $5,000.
Chase Ink Business Premier Guide: Maximizing Your Cash Back
One Mile at a Time's strategic guide covering earning strategies, benefit optimization, and how the Ink Premier fits into a broader Chase business card portfolio.
Chase Ink Business Premier card review: Solid cash back but little flexibility
TPG's comprehensive review analyzing earn rates, benefits, and why the lack of Ultimate Rewards transfer partners limits the card's appeal compared to Ink Preferred. Covers the card's best use cases and compares it to other Chase business cards.
25 Benefits of the Chase Ink Business Premier Card
Upgraded Points' exhaustive catalog of all 25+ benefits included with the Ink Business Premier, from earning rates to insurance protections and purchase benefits.
Chase Ink Premier Business Credit Card Reviews
WalletHub's community-driven review featuring user ratings and expert analysis. Covers credit requirements, best redemption options, and fee justification for business owners.
Chase Ink Business Premier Review
CreditCards.com's comprehensive review examining the card's cash back structure, benefits package, and whether the $195 annual fee pays for itself for typical business spending patterns.
Chase Ink Business Premier Card Review: High On Cash Back
Forbes Advisor's review focusing on the card's high cash back potential for businesses making large purchases. Includes detailed benefit analysis and comparison to competitors.
Ink Business Premier Credit Card: 2026 Review
NerdWallet's expert analysis of the Ink Business Premier, including detailed breakdowns of rewards structure, annual fee value, and ideal user profiles. Updated with current welcome offer details.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase | — | Chase |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Chase | Chase |
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