Chase Ink Business Premier Credit Card Review
Key Takeaways
This card can appeal to businesses with large purchases, offering a 100,000 point bonus as cash back plus 2.5% cash back on transactions over $5,000. However, rewards cannot be transferred to Chase Ultimate Rewards partners, even if you hold a Sapphire Reserve or Preferred. If your goal is maximizing travel rewards, this card does not fit the strategy.
Why This Card Could Be Right For You
The Chase Ink Business Premier is ideal for business owners who make frequent large purchases and want a simple, high-earning cash back structure without the need to navigate point transfers.
- Earn a 100,000 point cash back bonus after spending $10,000 in the first 3 months
- Get 2.5% cash back on purchases over $5,000
- Earn 2% cash back on all other purchases
- Comes with premium benefits like primary rental car coverage, purchase protection, cell phone insurance, and extended warranty coverage
When The Usual Advice Doesn't Apply
This card may not be right for you if:
- You want to earn travel rewards because cash back earned on this card cannot be converted into Ultimate Rewards points
- You prefer category-based multipliers (like those on the Ink Cash or Ink Preferred)
How The Chase Ink Business Premier Credit Card Fits In The Cash in Cents Ecosystem
Chase offers several business cards within the Ultimate Rewards ecosystem, and most provide more flexibility than the Ink Business Premier.
- Chase Ink Business Preferred: The best Ink option for travel rewards, with a 100,000 point signup bonus and a $95 annual fee. You are able to transfer points directly to airline and hotel partners with this card.
- Chase Ink Business Cash and Chase Ink Business Unlimited: No-annual-fee cards that earn cash back, which can be converted to transferable points when paired with an Ultimate Rewards-earning card.
- Chase Sapphire Reserve Business: Chase’s premium business card, offering full access to transfer partners, elevated travel perks, a 150,000 point signup bonus, and a $795 annual fee.
All Chase Ink business cards are not subject to the 5/24 rule, making them useful for building points without impacting your personal card strategy. For most users focused on travel rewards, pairing an Ink card with a Sapphire card provides significantly more long-term value than the Ink Business Premier.
My Experience, No Filter
We haven’t opened the Ink Business Premier, and we probably won’t. While the upfront cash is nice, we’re in the hobby for the long-term value of points and travel rewards. This card doesn’t let us transfer rewards to Chase partners, and that’s a deal-breaker. That said, if you run a business with heavy monthly spending and just want straightforward cash back (and don’t care about airline miles or hotel points), this could be a decent fit. But for us, and most travel rewards folks, it’s a pass.
Card Information
Differentiating Perks
Historical Card Offers
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Estimated Next Offer
Chase Ink Business Premier Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
The new cardmember bonus may not be available to you if you have ever had this card
Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
