Ink Business Premier(SM) Credit Card

The card_name is a business card that pays up to 5% cash back and a minimum of 2% cash back on purchases. The card offers $1,000 cash back after you spend $10,000 in the firstĀ 3 months. This is a pay-in-full card, meaning you will need to pay your balance in full every month, although select purchases can be paid off over time.

While you can earn 5% cash back on travel booked through Chase Travel(SM), you have to redeem the points as statement credits or for purchases in the Chase portal. You can’t transfer the points to your other Chase cards or to travel partners. We dive into the details and your approval odds in this Ink Business Premier review.

Our Rating

4.9/5.0

Welcome Offer

Earn $1,000 bonus cash back

Annual Fee

$195

0% on Purchases

N/A

Reward Rate

2%-5%

0% on Balance Transfers

N/A

Welcome Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Trip Delay Reimbursement, Roadside Assistance, Travel Accident Insurance, Trip Cancellation Insurance

Rewards

2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more
5% cash back
Travel
Unlimited 5% total cash back on travel purchased through Chase Travel(SM)

Interest Rates & Fees

Annual Fee$195
Foreign Transaction Fee$0
Regular APRFlex for Business variable APR: 19.49% - 27.49% (V) APR

What Credit Score Is Required to Get the Ink Business Premier℠ Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved06/27/2023
690
Experian
$10,000
Approved01/03/2023
755
Not Provided
$20,000
Approved01/03/2023
766
Not Provided
$20,000
Approved01/03/2023
768
Not Provided
$20,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points
Cons
  • Annual fee
  • Requires good credit
  • Can't transfer points to other Chase cards or travel partners

What Are the Best Alternatives?

Capital One Spark Cash Plus
Capital One Spark Cash Plus

Rating

4.8

Rewards Range

2% to 5%

Annual Fee

$150

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

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