The Ink Business Premier is built for large, lumpy business purchases: a flat 2% back on everything, rising to 2.5% on any single transaction of $5,000 or more, plus 5% on travel booked through Chase Travel. If your business regularly writes five-figure checks to vendors that accept cards, that 2.5% tier is the entire argument, and the $1,000 bonus after $10,000 of spend in three months should be straightforward to hit. The $195 annual fee is the tradeoff, and it only pencils out if enough of your spend clears the $5,000 per transaction line, because below it you can find 2% flat for less. There is no intro APR, so plan to pay in full against a 17.74% to 28.49% regular rate. No foreign transaction fee, $1,000 cell phone protection, primary rental coverage up to $60,000, and free employee cards fill out the rest.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) Travel booked through Chase Travel | 5% |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5% |
Everything Else 2.5% on purchases of $5,000 or more per transaction | 2% |
| Benefit | Value |
|---|---|
Cell Phone Protection Up to $1,000 per claim (3 claims per 12 months, $100 deductible) when the monthly phone bill is paid with the card | $1,000 |
Card details
Regular APR | 17.74%–28.49% variable |
Foreign transaction fee | None |