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Ink Business Premier® Credit Card Review
Annual Fee: $195
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The Chase Ink Business Premier® Credit Card is designed for established businesses that frequently make large purchases and want top-tier cash back on high-ticket transactions. With a lucrative welcome bonus, competitive earn rates, and a robust suite of business and travel protections, this card stands out as a premium option in Chase’s business lineup.

In this review, we’ll break down the card’s key features, including its introductory offer, cash back rewards, travel perks, and built-in protections.

A Premium Introductory Offer

The Ink Business Premier offers a substantial introductory offer that appeals to premium business spenders who need to make hefty purchases. New cardholders can earn $1,000 cash back after spending $10,000 on purchases in the first three months from account opening.

This bonus is awarded as 100,000 points and can be redeemed for $1,000 in cash back.

Competitive Cash Back Structure for High-Spend Businesses

The Ink Business Premier rewards businesses that invest in big expenditures by offering the following cash back categories:

5% cash back on travel purchases made through Chase Travel℠
5% cash back on qualifying Lyft purchases through 09/30/2027
2.5% cash back on every purchase of $5,000 or more
2% cash back on all other purchases

The Ink Business Premier earns a solid 2% cash back on all purchases, making it a strong everyday card for consistent business spending. For larger expenses, it goes a step further, offering 2.5% cash back on every purchase of $5,000 or more, a standout feature not found on other business credit cards. On top of that, cardholders can earn 5% back on travel booked through Chase Travel℠ and on Lyft purchases through September 30, 2027, adding even more value for companies with varied spending needs.

Travel Protection Benefits

Even though it isn’t marketed as a travel-specific card, the Ink Business Premier includes some valuable protections that support frequent business travel and purchases:

Auto Rental Coverage: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Cell Phone Protection: Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.

Final Thoughts: Is the Ink Business Premier Right for You?

The Chase Ink Business Premier is a premium option for business owners who regularly make large purchases and want to maximize their rewards. Its flat-rate 2.5% cash back on $5,000+ transactions and strong protections make it a powerful tool for managing business expenses and travel.

If your business is scaling and you need a card that will support your growing purchases, the Ink Business Premier is well worth a look.

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