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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.
$195
Annual Fee
5X
Top Rate
Annual Fee
$195
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
5X
5% total cash back on travel purchased through Chase Travel
5X
Earn 5% cash back on Lyft rides through September 30, 2027
2.5X
2.5% total 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.
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.
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.
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
Combined Protection Value
$82,350
Primary coverage for business rentals — up to $60,000 reimbursement for theft and collision damage on vehicles with MSRP up to $125,000.
Reviews & Analysis
Details & Terms
| 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 |
| Foreign Transaction Fee | $0 |
Chase Ink family
| Card |
|---|
Media & Resources
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.
$195
Annual Fee
5X
Top Rate
Annual Fee
$195
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
5X
5% total cash back on travel purchased through Chase Travel
5X
Earn 5% cash back on Lyft rides through September 30, 2027
2.5X
2.5% total 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.
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.
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.
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
Combined Protection Value
$82,350
Primary coverage for business rentals — up to $60,000 reimbursement for theft and collision damage on vehicles with MSRP up to $125,000.
Reviews & Analysis
Details & Terms
| 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 |
| Foreign Transaction Fee | $0 |
Chase Ink family
| Card |
|---|
Media & Resources
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.
$195
Annual Fee
5X
Top Rate
Annual Fee
$195
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Good to Excellent
5X
5% total cash back on travel purchased through Chase Travel
5X
Earn 5% cash back on Lyft rides through September 30, 2027
2.5X
2.5% total 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.
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.
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.
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
Combined Protection Value
$82,350
Primary coverage for business rentals — up to $60,000 reimbursement for theft and collision damage on vehicles with MSRP up to $125,000.
Reviews & Analysis
Details & Terms
| 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 |
| Foreign Transaction Fee | $0 |
Chase Ink family
| Card |
|---|
Media & Resources
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Up to $5,000 per traveler ($10,000/trip) for non-refundable travel if your trip is canceled due to illness, weather, or other covered reasons.
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
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...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
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...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. ...
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$604.80
Annual Fee
-$195
Net Annual Value
+$409.80
| Tier |
|---|
| Annual Fee |
|---|
| Note |
|---|
| Chase Ink Business Preferred | mid | — |
| Chase Ink Business Cash | entry | — |
| Chase Ink Business Unlimited | entry | — |
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.
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.
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.
Upgraded Points' exhaustive catalog of all 25+ benefits included with the Ink Business Premier, from earning rates to insurance protections and purchase benefits.
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.
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.
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.
WalletHub's community-driven review featuring user ratings and expert analysis. Covers credit requirements, best redemption options, and fee justification for business owners.
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Up to $5,000 per traveler ($10,000/trip) for non-refundable travel if your trip is canceled due to illness, weather, or other covered reasons.
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
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...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
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...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. ...
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$604.80
Annual Fee
-$195
Net Annual Value
+$409.80
| Tier |
|---|
| Annual Fee |
|---|
| Note |
|---|
| Chase Ink Business Preferred | mid | — |
| Chase Ink Business Cash | entry | — |
| Chase Ink Business Unlimited | entry | — |
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.
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.
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.
Upgraded Points' exhaustive catalog of all 25+ benefits included with the Ink Business Premier, from earning rates to insurance protections and purchase benefits.
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.
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.
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.
WalletHub's community-driven review featuring user ratings and expert analysis. Covers credit requirements, best redemption options, and fee justification for business owners.
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Up to $5,000 per traveler ($10,000/trip) for non-refundable travel if your trip is canceled due to illness, weather, or other covered reasons.
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
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...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
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...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. ...
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$604.80
Annual Fee
-$195
Net Annual Value
+$409.80
| Tier |
|---|
| Annual Fee |
|---|
| Note |
|---|
| Chase Ink Business Preferred | mid | — |
| Chase Ink Business Cash | entry | — |
| Chase Ink Business Unlimited | entry | — |
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.
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.
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.
Upgraded Points' exhaustive catalog of all 25+ benefits included with the Ink Business Premier, from earning rates to insurance protections and purchase benefits.
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.
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.
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.
WalletHub's community-driven review featuring user ratings and expert analysis. Covers credit requirements, best redemption options, and fee justification for business owners.
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
