Ink Business Premier Credit Card

The Ink Business Premier Credit Card is Chase's flat rate card for businesses that cut large checks. It earns unlimited 2.5% cash back on every purchase of $5,000 or more, 2% on all other business purchases, and 5% on travel booked through Chase Travel, with no caps in any category. The welcome offer is $1,000 bonus cash back after spending $10,000 in the first 3 months, the annual fee is $195, employee cards are free, and there are no foreign transaction fees. Structurally this is a hybrid charge card. Standard balances must be paid in full each month; only purchases that qualify for Chase's Flex for Business feature can be financed over time, at a 17.74% to 28.49% variable APR. That suits businesses with strong cash flow and disqualifies anyone who needs to routinely revolve. The catch that matters most to points people: Premier earns cash back, not transferable Ultimate Rewards. Unlike the Ink Business Preferred, its rewards cannot move to Chase's airline and hotel partners or be pooled with Sapphire cards, and effective March 27, 2026 Chase also removed the option to transfer cash back to an outside bank account, leaving statement credits and Chase's own redemption options. What you earn is what you get, at face value. The fee math is simple. Against a no fee 2% card, the extra 0.5% on large purchases needs about $39,000 a year of $5,000 plus transactions just to cover the $195 fee; the $1,000 welcome bonus papers over year one. Businesses whose spending clusters in big invoices, equipment, inventory, ad buys, can clear that easily, and the 2.5% rate on purchases of $5,000 or more has no cap. Chase recommends a credit score of roughly 690 or higher. Get it if your business routinely makes $5,000 plus payments on card and pays in full monthly. Skip it if you want transferable points for premium travel, where the Ink Preferred is the better Chase card, if your purchases rarely cross the $5,000 threshold, since a free 2% card then matches it without the fee, or if you need genuine revolving credit month to month.