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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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Ink Business Premier® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 5% cash-back for your business without complex bonus earning categories!
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Chase has introduced the Ink Business Premier® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Card Snapshot
Welcome Bonus & Info
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
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.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1060+ Expert Credit Card Guides
Great Card If
You operate a business that has a lot of large expenses
You’re looking for a card that offers perks like no foreign transaction fees, free employee cards, and cell phone protection
Don’t Get If
You want a card that earns transferable rewards
You want a card that has a lower annual fee
Ink Business Premier Card — Is It Worth It?
While many cards on the market offer 2% cash-back on all purchases, stepping that up a notch and offering 2.5% cash-back on purchases over $5,000 is exceptional and makes the Ink Business Premier card a standout for business owners who frequently make purchases over this size.
Further, the card offers several benefits that business owners are sure to love. For starters, many cash-back credit cards charge foreign transaction fees, while the Ink Business Premier card does not, making it a great option for business owners who often make international purchases.
Cardholders will also enjoy perks like cell phone protection, purchase protection, rental car insurance, free employee cards, and much more. Put simply, if you’re a business owner that is looking for an excellent all-around cash-back rewards card, then the Ink Business Premier card would be a great option.
Ink Business Premier Card Top Benefits
Card Protections
With your Ink Business Premier card, you’ll receive the following card protections:
Cell Phone Protection: Receive up to $1,000 per claim against covered theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your Ink Business Premier card (maximum of 3 claims in a 12-month period with a $100 deductible per claim).
Purchase Protection: Purchases made with your card are covered for 120 days from the purchase date against damage or theft for up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection: Receive 1 year of warranty coverage added on eligible warranties of 3 years or less on items purchased with your card.
Rental Car Insurance: Receive primary rental car coverage when you decline the rental company’s insurance and pay for your rental car with your Ink Business Premier card.
No-Additional-Fee Employee Cards
While the annual fee for your primary Ink Business Premier card is $195, there is no additional fee to add additional employee cards. This is a great feature for business owners that have employees who make purchases on behalf of the business and allows you to make sure you’ll be earning 2% to 2.5% cash-back on purchases your employees make as well.
Best Way To Earn and Redeem Cash-Back Rewards
To rack up as much cash-back as possible, you’ll want to use your Ink Business Premier card for every business expense you possibly can. You’ll especially want to use it on transactions of $5,000 or more to earn 2.5% cash-back. Of course, you’ll still earn 2% cash-back on all other card purchases as well. Don’t forget that the card also earns 5% back on travel purchased through the Chase Travel portal for your business travel needs.
When you’re ready to redeem your cash-back rewards, you’ll have 4 options for doing so. The first is as a statement credit to offset card purchases, or as a deposit to your linked bank account, with no redemption minimum. You can also redeem your cash-back through the Chase Ultimate Rewards portal to purchase Apple products through Chase, or for gift cards from over 150 merchants.
Alternative Cards to the Ink Business Premier Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
If you’re looking for an excellent cash-back business card without an annual fee, then the Ink Business Unlimited card is worthy of consideration. With it, you’ll earn an uncapped 1.5% back on all purchases, with no need to worry about maximizing card bonus categories.
Further, it offers perks like free employee cards, purchase protection, rental car insurance, extended warranty coverage, and more.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Those who want a business credit card that earns flexible rewards shouldn’t overlook the Ink Business Preferred card.
It is a strong point earner offering 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable, and phone services, and advertising purchases made with social media sites and search engines.
When you’re ready to redeem those rewards you can do so for cash-back at a rate of 1 cent per point, through the Chase Travel portal at a rate of 1.25 cents per point, or receive even more value through one of the many Chase Ultimate Rewards transfer partners.
Not to mention that it offers several great benefits like no foreign transaction fees, free employee cards, cell phone protection, purchase protection, extended warranty coverage, and rental car insurance.
If you’re looking for a strong cash-back rewards business card, in particular one that rewards business owners who frequently make large purchases, then yes, the Ink Business Premier card would likely be worth it for you.
What are the benefits of the Ink Business Premier card?
Cardholders of the Ink Business Premier card receive several benefits like no-additional-fee employee cards, no foreign transaction fees, cell phone protection, purchase protection, extended warranty coverage, rental car insurance, and more.
Does the Ink Business Premier card have an annual fee?
Yes, the Ink Business Premier card charges a $195 annual fee.
Does the Ink Business Premier card charge foreign transaction fees?
Unlike many other cash-back cards, the Ink Business Premier card does not charge foreign transaction fees.
Can the rewards earned with the Ink Business Premier card be combined with other Chase Ink cards?
Unlike the other cash-back-focused Ink business cards, the Ink Business Unlimited card and Ink Business Cash card, the cash-back rewards you earn with the Ink Business Premier card cannot be combined with other Chase cards — notably ones that offer access to Chase’s travel transfer partners.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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