The Ink Business Premier is built for businesses with big invoices: every purchase earns 2% cash back, purchases of $5,000 or more earn 2.5%, and travel booked through Chase Travel earns 5%. The $1,000 welcome bonus after $10,000 in spend is one of the largest flat-cash bonuses on any business card, and cell phone protection plus primary rental coverage add practical value. The catch is flexibility: this is a pay-in-full card (balances can only revolve through Chase's Flex for Business feature), and its rewards cannot be pooled with other Ink or Sapphire cards or transferred to Chase's travel partners, so points maximizers should look at the Ink Business Preferred instead. For a high-spend business that just wants cash back, the $195 annual fee pays for itself quickly.
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 |