{"id":75475,"date":"2026-04-01T20:10:01","date_gmt":"2026-04-01T20:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=75475"},"modified":"2026-04-08T14:00:26","modified_gmt":"2026-04-08T14:00:26","slug":"chase-ink-business-premier","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/chase-ink-business-premier\/","title":{"rendered":"Chase Ink Business Premier\u00ae Credit Card Review: Incredible Cash-Back for Businesses"},"content":{"rendered":"<p>Across Chase\u2019s small business offerings, the cards in the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-business-card\/\" rel=\"noopener\">Ink business card lineup<\/a> are some of the most popular. These cards have brought many businesses into Chase's credit card ecosystem, especially for those who prioritize earning points and miles. However, the newest card in the Ink portfolio &#8212; the <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"5048295\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=2014317.10005859&type=3&u1=3f458aba01586fd5cf697d9e549780a5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) &#8212; is often overlooked as an <a target=\"_blank\" href=\"\/find-a-card\/cash-back\/\" rel=\"noopener\">incredible cash-back card<\/a>, particularly relative to the other Chase Ink business cards.<\/p>\n<p>The Chase Ink Premier is an excellent option for a small business wanting to earn a lot of cash back on all their credit card spending. This is especially true for small businesses that regularly make large purchases, as you'll earn extra cash back on these purchases. However, it is important to note this card's differences from the rest of the Ink lineup, most significantly the inability to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">turn cash back into transferable points<\/a>.<\/p>\n<p>Here's everything you should know about the Chase Ink Premier.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048295\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/05\/CardArt-InkBusinessPremierCreditCard.png\" width=\"150\" alt=\"Ink Business Premier\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Premier\u00ae Credit Card' data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"5048295\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=2014317.10005859&type=3&u1=3f458aba01586fd5cf697d9e549780a5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$195<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Ink Business Premier<sup>\u00ae<\/sup> Credit Card is tailored for businesses with significant spending, offering robust cash back and travel benefits. It features unlimited 2.5% cash back on purchases of $5,000 or more, and 2% back on all other business purchases. For travel, it provides 5% cash back on bookings through Chase Travel\u2120, with additional travel protections like trip cancellation\/interruption insurance and an auto rental collision damage waiver. The card includes purchase protection, extended warranty, and up to $1,000 cell phone protection per claim. Additionally, it offers employee cards at no extra cost, complete with spending controls and monitoring tools. Despite its $195 annual fee, the card's high cash back rates and suite of business-focused features make it a valuable tool for high-spending businesses.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/li><li>Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.<\/li><li>Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel&#x2120;, No Foreign Transaction Fees and Trip Cancellation\/Trip Interruption Insurance.<\/li><li>The only business credit card with 2.5% cash back on every purchase of $5,000 or more.<\/li><li>Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.<\/li><li>Earn 5% cash back on Lyft rides now through September 30, 2027.<\/li><li>Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.<\/li><li>There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on travel purchases through the Chase Travel\u2120 portal<\/li>\r\n<li>2.5% cash back on purchases of $5,000 or more<\/li>\r\n<li>2% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Chase_Ink_Premier_Pros\">Chase Ink Premier Pros<\/a><\/li><li><a href=\"#Chase_Ink_Premier_Cons\">Chase Ink Premier Cons<\/a><\/li><li><a href=\"#Chase_Ink_Premier_Welcome_Bonus\">Chase Ink Premier Welcome Bonus<\/a><\/li><li><a href=\"#Chase_Ink_Premier_Benefits\">Chase Ink Premier Benefits<\/a><ul><li><a href=\"#No_preset_spending_limit\">No preset spending limit<\/a><\/li><li><a href=\"#Auto_Rental_Collision_Damage_Waiver_CDW\">Auto Rental Collision Damage Waiver (CDW)<\/a><\/li><li><a href=\"#Purchase_protection\">Purchase protection<\/a><\/li><li><a href=\"#Extended_warranty\">Extended warranty<\/a><\/li><li><a href=\"#Cell_phone_protection\">Cell phone protection<\/a><\/li><li><a href=\"#Add_employee_cards_for_free\">Add employee cards for free<\/a><\/li><li><a href=\"#Automatically_save_on_business_purchases_with_Visa_SavingsEdge\">Automatically save on business purchases with Visa SavingsEdge<\/a><\/li><\/ul><\/li><li><a href=\"#Chase_Ink_Premier_Earning_Rates\">Chase Ink Premier Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Chase_Ink_Premier\">Redeeming Rewards With the Chase Ink Premier<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Alternatives_to_the_Chase_Ink_Premier\">Alternatives to the Chase Ink Premier<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Chase_Ink_Premier_Pros\">Chase Ink Premier Pros<\/span><\/h2>\n<ul>\n<li>A $1,000 welcome bonus after meeting the minimum spending requirements.<\/li>\n<li>No foreign transaction fees.<\/li>\n<li>Highly competitive 2%\u20135% cash back on purchases.<\/li>\n<li>Simple rewards with no minimum redemption.<\/li>\n<\/ul>\n<h2><span id=\"Chase_Ink_Premier_Cons\">Chase Ink Premier Cons<\/span><\/h2>\n<ul>\n<li>It is not possible to transfer rewards to Chase transfer partners or combine rewards with Chase's other Ink\/Sapphire products.<\/li>\n<li>The $195 annual fee is high for a cash-back card.<\/li>\n<li>Earning rates are less beneficial for businesses that make smaller transactions.<\/li>\n<\/ul>\n<h2><span id=\"Chase_Ink_Premier_Welcome_Bonus\">Chase Ink Premier Welcome Bonus<\/span><\/h2>\n<p>The <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a> offers a welcome bonus of $1,000 cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/p>\n<p>While this spending threshold may seem high, the cardholders who will get the most value from this card should have <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">little trouble reaching that<\/a> with business spending. For those looking to earn cash instead of points and miles, this is a very significant welcome bonus.<\/p>\n<p>Including the bonus, you will earn at least $1,200 in cash back after spending an initial $10,000 on the card to reach the welcome bonus. That's a solid 12% cashback return on the initial spending requirement. These earnings only increase if any purchases were at least $5,000 or were made through the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\"><span style=\"font-weight: 400;\">Chase Travel\u2120 <\/span>portal<\/a> &#8212; since the earning rates on both are greater.<\/p>\n<p>Best of all, when it comes time to redeem the rewards, you can utilize the earned cash-back as statement credits or deposit them into a bank account.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">Top Small-Business Credit Card Offers This Month<\/a><\/strong><\/p>\n<h2><span id=\"Chase_Ink_Premier_Benefits\">Chase Ink Premier Benefits<\/span><\/h2>\n<p>To help justify the $195 annual fee on the card, the <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a> offers several notable card benefits &#8212; including:<\/p>\n<h3><span id=\"No_preset_spending_limit\">No preset spending limit<\/span><\/h3>\n<p>The Ink Premier is not a traditional credit card with a fixed spending limit. Rather than having a <a target=\"_blank\" href=\"\/credit-cards\/charge-card-vs-credit-card\/\" rel=\"noopener\">preset spending limit,<\/a> your purchasing power evolves based on factors like your payment history and previous spending. This is similar to some American Express cards that do not have a defined spending cap.<\/p>\n<p>This perk is great for businesses that need flexible spending power during busy times. However, Chase expects that cardholders must pay their balance in full each month &#8212; which is best practice to avoid paying interest anyways.<\/p>\n<p>Need more time on a particular large purchase? Chase's Flex for Business feature can let you pay qualifying purchases over time with interest.<\/p>\n<h3><span id=\"Auto_Rental_Collision_Damage_Waiver_CDW\">Auto Rental Collision Damage Waiver (CDW)<\/span><\/h3>\n<p>If you frequently rent cars during business trips,\u00a0the included auto rental insurance may be a large benefit. The\u00a0<a target=\"_blank\" href=\"\/credit-cards\/collision-damage-waiver-proof\/\" rel=\"noopener\">auto rental CDW<\/a> covers damage caused by a collision or theft up to the cash value of most rental vehicles.<\/p>\n<p>In this case, the coverage is <i>primary coverage when renting for business purposes<\/i>. This means you do not need to file a claim with any other insurer before claiming under the card benefit. However, it\u2019s secondary for personal rentals. For coverage to be in effect, you must decline the <a target=\"_blank\" href=\"\/credit-cards\/rental-car-liability-insurance\/\" rel=\"noopener\">rental company\u2019s damage insurance<\/a> when asked and charge the entire rental to your card.<\/p>\n<figure id=\"attachment_126070\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-126070 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-matt-bango-article-300x200.jpg\" alt=\"a car drives down a small road\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-matt-bango-article-300x200.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-matt-bango-article-768x512.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-matt-bango-article.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Matt Bango\/StockSnap<\/em><\/enter><\/figure>\n<h3><span id=\"Purchase_protection\">Purchase protection<\/span><\/h3>\n<p><a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a> is an increasingly rare card benefit that\u00a0covers you against damage and theft when you use the card to purchase new items. Claims apply for new purchases within the past 120 days for up to $10,000 per claim and up to $50,000 per account.<\/p>\n<h3><span id=\"Extended_warranty\">Extended warranty<\/span><\/h3>\n<p>Another great purchase coverage on the card is the extended warranty benefit. When you purchase an item with your <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a>, your <a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">warranty is extended<\/a> by an additional year on any U.S. manufacturer's warranty of three years or less.<\/p>\n<h3><span id=\"Cell_phone_protection\">Cell phone protection<\/span><\/h3>\n<p>With <a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">cell phone protection<\/a>, you can get up to $1,000 per claim against covered theft and damage of your cell phone. This is a rare feature for small business cards and is great, especially if your business must pay for multiple employee phone lines.<\/p>\n<p>For the insurance to apply, you must pay the whole cell phone bill each month with your Ink Premier. This provides coverage for you and any employee phones listed on that bill. You can make up to three claims in a 12-month period, but there is a $100 deductible per claim.<\/p>\n<figure id=\"attachment_126071\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-126071 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-kristin-hardwick-article-300x200.jpg\" alt=\"an unseen person holds a smart phone near a laptop\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-kristin-hardwick-article-300x200.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-kristin-hardwick-article-768x512.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-kristin-hardwick-article.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Kristin Hardwick\/StockSnap<\/em><\/enter><\/figure>\n<h3><span id=\"Add_employee_cards_for_free\">Add employee cards for free<\/span><\/h3>\n<p>Adding employee cards does not increase your annual fee. Each employee can have their own card, allowing your team to make the purchases they need without the hassle. Additionally, you can set spending controls on employee cards to avoid misuse.<\/p>\n<h3><span id=\"Automatically_save_on_business_purchases_with_Visa_SavingsEdge\">Automatically save on business purchases with Visa SavingsEdge<\/span><\/h3>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/visa-savingsedge\/\" rel=\"noopener\">Visa SavingsEdge<\/a> program flies under the radar of many Visa business cardholders. It's a very simple, easy-to-use program offering Visa business cardholders savings on business purchases. Most savings you'll find will range from 2%\u20135% &#8212; but if you're lucky, you'll occasionally find a deal that'll save you up to 10%.<\/p>\n<h2><span id=\"Chase_Ink_Premier_Earning_Rates\">Chase Ink Premier Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a> earns cash back at the following rates:<\/p>\n<ul>\r\n<li>5% cash back on travel purchases through the Chase Travel\u2120 portal<\/li>\r\n<li>2.5% cash back on purchases of $5,000 or more<\/li>\r\n<li>2% cash back on all other purchases<\/li>\r\n<\/ul>\n<p>Plus, <a target=\"_blank\" href=\"\/credit-cards\/cardholder-lyft-benefits\/\" rel=\"noopener\">earn 5% cash back on Lyft Rides through September 2027<\/a>.<\/p>\n<p>The cash-back earned with the Ink Premier is one of its best perks. Not only is it one of the best business cash-back cards, but the Ink Premier is one of the best-earning cash-back cards, period.<\/p>\n<p>The ability to earn 2% cash back on all purchases is excellent &#8212; particularly for business cards &#8212; but unlocking 2.5% cash back is even better when making higher-ticket purchases. This is incredible for businesses with diverse credit card spending needs, as they do not need to worry about the right time to use their card.<\/p>\n<p>However, if your business spends money under a few specific categories &#8212; such as online advertising or travel &#8212; the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=1468c53eb898195b9c932679b2f01536&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) might be a better choice.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-card-large-purchase\/\" rel=\"noopener\">Best Credit Cards for Large Purchases ($5,000 or More)<\/a><\/strong><\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_Chase_Ink_Premier\">Redeeming Rewards With the Chase Ink Premier<\/span><\/h2>\n<p>The <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a> is a cash-back card at heart and does a great job at just that. You can redeem your cash back as a statement credit toward your balance or deposit it into a bank account. It is important to know that there are no minimums to redeem your rewards.<\/p>\n<p>Other options you have include redeeming rewards for gift cards or through the Chase Travel portal. However, the reward\u2019s value is consistent, with no way to earn outsized value &#8212; such as transferring to partners for premium cabin travel.<\/p>\n<p>Since the redemption rate is the same whether you redeem points for cash back or through the travel portal, you're better off charging your card for travel purchases to earn rewards on the purchase. Then, you can redeem points for a statement credit to offset the purchase.<\/p>\n<p>The flip side is that simplicity allows you to get great value from the card without tracking or understanding the complexities of transfer partners. The negative is that you can't get top value from your rewards by using sweet spots after <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">transferring your earnings to an airline partner<\/a>.<\/p>\n<figure id=\"attachment_126066\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-126066 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-Tevarak-creditcard-featured-300x240.jpg\" alt=\"woman hand holding credit card and using laptop making online payment online, online shopping\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-Tevarak-creditcard-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-Tevarak-creditcard-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-Tevarak-creditcard-featured-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/StockSnap-Tevarak-creditcard-featured.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tevarak\/StockSnap<\/em><\/enter><\/figure>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>First off, you'll need a business to open this Chase business credit card. While that may sound daunting at first, it is actually quite simple to qualify as a business and be able to get business cards. <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">Learn more about qualifying for a business card<\/a> by reselling on eBay, driving for Uber, or just a side hustle with freelance work. These are just a few examples on top of what is normally considered a business.<\/p>\n<p>If you hold other Ink Business cards, you can still be eligible for this card &#8212; as Chase doesn't currently have family application restrictions.<\/p>\n<p>However, Chase\u2019s standard application rules apply for the <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a>. This includes <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase\u2019s unwritten 5\/24 rule<\/a>: You will not be approved if you've opened five or more personal cards from any bank in the last 24 months. However, other business credit cards &#8212; such as other Chase Ink cards &#8212; do not count against this number if they aren't showing on your personal credit report. You still must be under 5\/24 to get approved.<\/p>\n<p>Another relevant application restriction is that Chase will not approve someone for more than one business card in a 30-day period. So, if you recently signed up for a different Ink product, it may be worth waiting a few more weeks before applying. For more details, check out our post covering <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application restrictions for major credit card providers<\/a>.<\/p>\n<h2><span id=\"Alternatives_to_the_Chase_Ink_Premier\">Alternatives to the Chase Ink Premier<\/span><\/h2>\n<p>If the <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a> is not the right for you and your business, here are some other incredible cards that might be a better fit:<\/p>\n<ul>\n<li><b>If you're looking for transferable rewards points<\/b>, consider the <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=1468c53eb898195b9c932679b2f01536&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). It earns 3x Ultimate Rewards points on travel purchases and expenses in other business categories (up to $150,000 annually), and the annual fee is just $95. The most significant benefit is that the points can be transferred to airline and hotel partners for more value. More details are in our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\" rel=\"noopener\">Ink Preferred review<\/a>.<\/li>\n<li><b>If you want a card with no annual fee<\/b>, consider the <a data-ccid=\"4048113\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=d6e5fc72d2e487dd2593d65dc237a526&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). This card offers an unlimited 1.5% cash back on all purchases, and it has a $0 annual fee. The points can be redeemed as cash-back or, alternatively, are transferable to partners when paired with an additional eligible Ultimate Rewards-earning card. You can learn more in <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\" rel=\"noopener\">our full review of the Ink Unlimited<\/a>.<\/li>\n<li><b>If your business isn't a big spender<\/b>, consider <a data-ccid=\"4028098\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a>. It earns 2x points on the first $50,000 of purchases yearly, then 1x. Additionally, this card has no annual fee  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), which makes sense for a lower-spending business. You can learn more in <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">our Blue Business Plus review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=1468c53eb898195b9c932679b2f01536&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=d6e5fc72d2e487dd2593d65dc237a526&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.<\/li><\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-chase-business-credit-cards\/\" rel=\"noopener\">Best Chase Business Credit Card Offers<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>Overall, the <a data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" rel=\"noopener nofollow sponsored\">Ink Premier<\/a> is a fantastic card that offers an almost unheard-of 2.5% back on purchases over $5,000. Earning a base of at least 2% cash back on all purchases is incredible. Although we wish that the rewards were transferable, similar to other Chase Ink products, the potential for this cash-back card is simply outstanding.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048295\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/05\/CardArt-InkBusinessPremierCreditCard.png\" width=\"150\" alt=\"Ink Business Premier\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Premier\u00ae Credit Card' data-ccid=\"5048295\" href=\"\/blog\/link\/InkBusinessPremierCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"5048295\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=2014317.10005859&type=3&u1=3f458aba01586fd5cf697d9e549780a5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Premier<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$195<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Ink Business Premier<sup>\u00ae<\/sup> Credit Card is tailored for businesses with significant spending, offering robust cash back and travel benefits. It features unlimited 2.5% cash back on purchases of $5,000 or more, and 2% back on all other business purchases. For travel, it provides 5% cash back on bookings through Chase Travel\u2120, with additional travel protections like trip cancellation\/interruption insurance and an auto rental collision damage waiver. The card includes purchase protection, extended warranty, and up to $1,000 cell phone protection per claim. Additionally, it offers employee cards at no extra cost, complete with spending controls and monitoring tools. Despite its $195 annual fee, the card's high cash back rates and suite of business-focused features make it a valuable tool for high-spending businesses.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.<\/li><li>Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.<\/li><li>Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel&#x2120;, No Foreign Transaction Fees and Trip Cancellation\/Trip Interruption Insurance.<\/li><li>The only business credit card with 2.5% cash back on every purchase of $5,000 or more.<\/li><li>Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.<\/li><li>Earn 5% cash back on Lyft rides now through September 30, 2027.<\/li><li>Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.<\/li><li>There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on travel purchases through the Chase Travel\u2120 portal<\/li>\r\n<li>2.5% cash back on purchases of $5,000 or more<\/li>\r\n<li>2% cash back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPremier\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ink Business Premier\u00ae Credit Card is an excellent cash-back credit card, providing a remarkable 2% or more return on spend. It has a moderate annual fee while including many perks for small business owners. Let&#8217;s examine this card and explore how easily you can accumulate cash back on your spending.<\/p>\n","protected":false},"author":83,"featured_media":52744,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12786],"coauthors":[36439],"class_list":["post-75475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-chase"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/75475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/83"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=75475"}],"version-history":[{"count":35,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/75475\/revisions"}],"predecessor-version":[{"id":253886,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/75475\/revisions\/253886"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/52744"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=75475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=75475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=75475"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=75475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}