Ink Business Premier Review

Overview

The Ink Business Premier is Chase's flat-rate business card that pays a strong 2.5% on larger purchases and 2% on everything else, for a $195 fee. The catch, and it is a big one, is that its points do not transfer to Ultimate Rewards travel partners; they are cash back only.

So while the earning rate is high, you lose the transferable-points upside that makes the other Ink cards special. It is a good high-rate cash-back card, not a points card.

Our 3.5 out of 5 rating

Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.

Rewards: how it earns

You earn 2.5% on purchases of $5,000 or more, 2% on everything else, and elevated rates on Chase travel, all as cash back. The 2.5% on big purchases is excellent for a business with large expenses, but unlike the other Ink cards, the points do not transfer to travel partners, so the ceiling is a flat rate.

The fine print on rates: The 2.5% rate applies only to individual purchases of $5,000 or more; smaller purchases earn 2%. Rewards are cash back and do NOT transfer to Chase airline or hotel partners.

Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.

Pros and cons

The welcome bonus

The welcome bonus is solid: up to $1,000 cash back after $10,000 in three months. A good year-one payout for a business that can hit the spend.

Is it worth the annual fee?

The $195 fee is justified if you put large purchases through it, where the 2.5% rate shines, and it does not count toward Chase 5/24. But since the points are cash back only, weigh it against a transferable Ink card if points flexibility matters to you.

First-year value vs ongoing value

The welcome bonus makes year one the high point: roughly $1,705 in value once you count the bonus, this card’s rewards, and its credits, minus the $195 fee. After that, the honest figure is about $705 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.

*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.

Benefits and protections

Beyond the rewards, the perks and protections worth knowing about include:

• Rewards are cash back only and do not transfer to travel partners
• Flexible spending limit with no preset cap
• Free employee cards

Statement credits

This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.

Who should get it, and who should skip it

If your business makes large purchases and you value a high flat cash-back rate, the Ink Premier delivers, 2.5% on big spending is strong, and the welcome bonus adds to it.

But if you want the transferable-points magic of the Chase ecosystem, the Ink Preferred or the free Ink cards are better, because this one's points do not transfer. Choose based on whether you want rate or flexibility.

Frequently asked questions

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