Ink Business Premier®: High Cashback for Large Business Spending
Earn 5% cashback on Chase Travel℠ purchases, 2.5% cashback on business purchases of $5,000 or more, and 2% cashback on all other purchases.
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4.2
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
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The Ink Business Premier® Credit Card is a strong business cashback card for companies with high spending and large purchases. It offers 2% flat-rate cashback on all purchases and 2.5% cashback on large transactions, making it especially attractive for businesses with substantial operating expenses, inventory purchases, or equipment spending. The card also includes employee cards, spending controls, and travel and purchase coverage, while avoiding the complexity of rotating categories or reward optimization. Businesses that prioritize straightforward cashback over travel points may find the value proposition especially compelling. The downside is that rewards are primarily cashback-focused and do not integrate as flexibly with the broader Chase Ultimate Rewards transfer ecosystem like some other Ink cards. The card also carries a notable annual fee and lacks premium travel perks such as lounge access. Overall, this card works best for high-spending businesses seeking simple, strong cashback rewards on large purchases and everyday business expenses.
Ink Business Premier®
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Annual fee:
$195
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
17.99% - 28.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on Chase Travel, 2.5% on large purchases of $5,000 or more, and 2% on all other purchases.
2% - 5% Cashback
Welcome Offer Earn a $1,000 bonus after spending $10,000 in the first three months.
$1000
Welcome Offer
Earn a $1,000 bonus after spending $10,000 in the first three months.
Rewards
- 2.5% Cashback on large purchases of $5,000 or more.
- 2% Cashback on all other purchases.
- 5% Cashback:
- Chase Travel
- Lyft rides through September 30, 2027.
Redemption Options
- Flexible Redemption: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel, gift cards, and Apple purchases. Cash rewards do not expire.
Fees and APR
- Annual Fee: $195.
- Regular APR: 17.99% - 28.74% Variable APR.
- Foreign Transaction Fee: None.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per year.
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Business Tools & Controls
- Pay in Full + Flex for Business: Purchases may be added to your Flex for Business balance, which can be paid over time with interest, while other balances remain due in full each month.
- Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.
- Build Business Credit: Establish your business credit history with responsible use of your business credit card, helping support future access to financing.
Terms and Conditions
- Click Apply Now to see the terms and conditions.