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Annual Fee: $195
Earn $1,000 bonus cash back (100,000 bonus points) after you spend $10,000 on purchases in the first 3 months after account opening.
Earn $1,000 bonus cash back (100,000 bonus points) after you spend $10,000 on purchases in the first 3 months after account opening.
The Ink Business Premier® Credit Card is an excellent choice for small business owners who want to earn rewards on their business spending and enjoy various business benefits. With a strong rewards program, travel perks, and expense management tools, it's designed to enhance the financial management and travel experience for business owners.
[.redeem] 5% [.redeem] cash back per $1 on travel purchased through Chase TravelSM
[.redeem] 2.5% [.redeem] cash back per $1 on every purchase of $5,000 or more
[.redeem] 2% [.redeem] cash back per $1 on all other purchases
🏆 Best for $0 Annual Fee (Business)
🏆 Best for $0 Annual Fee (Business)
Annual Fee: $0
🏆 Best Intro United Business Card
🏆 Best Intro United Business Card
$150 Annual Fee
Earn $1,000 bonus cash back (100,000 bonus points) after you spend $10,000 on purchases in the first 3 months after account opening.
This card is really all about "going big or going home." The Ink Business Premier is designed for serious spenders, offering a hefty 2.5% cash back on purchases over $5,000 and 2% on everything else. We recommend this card for businesses that have significant expenses and want to maximize their returns. While it doesn't earn Ultimate Rewards points, the sheer cash-back potential makes it a solid option. The $1,000 cash bonus after hitting the minimum spend is the cherry on top—proof that this card is worth its $195 annual fee for those who can leverage its strengths.
💡 And if you’re turned off by the word “business” being in the card name, check out this article which helped thousands of Daily Drop readers open business cards last year.
[.pro] High reward opportunities for high business spending [.pro]
[.pro] Cash-back on all purchases [.pro]
[.pro] Employee cards at no additional charge [.pro]
[.pro] Trip insurance coverage [.pro]
[.con] This card does have a decently steep annual fee [.con]
[.con] No ability to transfer to partners [.con]
[.redeem] 5% [.redeem] cash back per $1 on travel purchased through Chase TravelSM
[.redeem] 2.5% [.redeem] cash back per $1 on every purchase of $5,000 or more
[.redeem] 2% [.redeem] cash back per $1 on all other purchases
The Ink Business Premier is a special case, meaning this card does not allow transfers to certain Chase partners (i.e. Southwest, World of Hyatt, etc.). You can book travel through the Chase portal. But, this card is specifically designed for folks wanting to maximize cash back through business expenses.
Why? Combining the Ink Business Premier with the Capital One Venture X Business card is a winning strategy, friends. The Ink Business Premier earns 2.5% cash back on purchases over $5,000 and 1.5% on everything else, making it ideal for all minor and major expenses. The Venture X Business card complements this by offering premium travel benefits like a $300 annual travel credit, lounge access, and flexible mile redemption options. Together, you get top rewards on all your business spending with the Ink Business Premier and exceptional travel perks with the Venture X Business.
Why? Pairing the Ink Business Cash with the Ink Business Premier is a match made in rewards heaven. The Ink Business Cash gives you 5% cash back on office supplies and 2% on gas and dining, covering your everyday business expenses. Meanwhile, the Ink Business Premier offers 2.5% cash back on purchases over $5,000 and 1.5% on everything else. Combining these cards means you can maximize rewards on both big and small purchases. Plus, you’ll enjoy no foreign transaction fees and valuable expense management tools with the Ink Business Premier.
The Ink Business Premier is ideal for small business owners looking to maximize rewards on their big expenses. Imagine earning 2.5% cash back on every purchase over $5,000 and 1.5% on everything else. Whether you’re buying equipment, paying large bills, or managing other major business expenses, this card has you covered. With no foreign transaction fees and a suite of business management tools, it’s like having a financial partner that helps you earn more while handling your spending smartly.
For those managing a side hustle, the Ink Business Premier is a great tool for boosting your rewards. Whether you’re freelancing, running an Etsy shop, or juggling a small online business, this card lets you earn 2.5% cash back on big purchases over $5,000 and 1.5% on other expenses. It’s perfect for turning those significant side hustle expenses into valuable rewards. With its solid cash-back structure and no foreign transaction fees, it’s an excellent way to make the most of your side gig’s spending.
If you’re already a Chase fan with cards like the Chase Sapphire Preferred® Card, adding the Ink Business Premier is a smart move. Why? It lets you maximize your rewards across different spending categories. The Ink Business Premier offers 2.5% cash back on purchases over $5,000 and 1.5% on everything else, while your Sapphire Preferred card earns valuable points on travel and dining. Combining these cards means you can pool your cash back and Ultimate Rewards points for even bigger travel redemptions or other perks. It’s a powerful way to supercharge your rewards and get the most out of your Chase cards.
Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 700, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Ink Business Premier, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
The recommended credit score for the Ink Business Premier is 670-850 (Good — Excellent). But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line (link), and be granted the coveted Ink Business Premier.
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