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Chase Ink Business Premier® Credit Card review: A laid-back cash back rewards card for big spenders

 /  13 min
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Snapshot

3.4

Bankrate rating
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Rating: 3.4 stars out of 5

Bottom line

High-spending business owners that prefer simple unlimited cash back rewards will find the Ink Business Premier Card to be an ideal fit thanks to its 2 percent rewards rate on all purchases and 2.5 percent purchase bonus on all expenditures over $5,000.

BEST FOR LARGE BUSINESS EXPENSES

Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

$1,000 Cash Back

Rewards Rate

2% - 5%

Annual fee

$195

Regular APR

Flex for Business Variable APR: 18.49% - 26.49%

4.3

Cardholder rating

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4.3 / 5

Extra perks

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4.2 / 5

Online tools

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4.3 / 5

Customer service

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4.4 / 5

Information safe

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4.4 / 5

3.4

Bankrate score

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3.4 / 5

Rewards value

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3.0 / 5

APR

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2.0 / 5

Rewards flexibility

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4.0 / 5

Features

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3.0 / 5
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Compare

Ink Business Premier Credit Card Overview

  • Credit Card Cash Back Icon

    Rewards

  • Rewards Icon

    Welcome offer

  • Credit Card Search Icon

    Rates and fees

  • Congrats Icon

    Other cardholder perks

Ink Business Premier pros and cons

Pros

  • Checkmark Icon

    The card offers boosted rewards on Chase Ultimate Rewards travel and large purchases, significantly increasing your rewards earning potential.

  • Checkmark Icon

    Cardholders can redeem both cash back and travel at a 1:1 value, so neither redemption choice reduces the value of your rewards.

  • Checkmark Icon

    It carries excellent travel protections and perhaps the best cellphone protection perk in its category.

  • Checkmark Icon

    The sign-up bonus is impressive among business cards with similar requirements.

Cons

  • If you don’t anticipate making several large purchases, the annual fee is hard to justify.

  • Cardholders have limited redemption options, as they can’t take advantage of transfer partners or redeem points for more value toward travel through Chase Ultimate Rewards.

  • Cardholders cannot combine rewards with other Chase cards to increase rewards value.

Why you might want the Ink Business Premier

Why you might not want the Ink Business Premier

How the Ink Business Premier compares to other business credit cards

Image of Ink Business Premier® Credit Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$195

Intro offer

$1,000 Cash Back
Info Icon

Rewards rate

2% - 5%
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Recommended Credit Score

Good to Excellent (670 – 850)
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Image of Capital One Spark Cash Plus

Annual fee

$150

Intro offer

$2,000 cash back
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Rewards rate

2% - 5%
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Recommended Credit Score

Excellent (740 – 850)
Info Icon
Image of Ink Business Preferred® Credit Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$95

Intro offer

Earn 90,000 bonus points
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Rewards rate

1X - 3X
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Recommended Credit Score

Good to Excellent (670 – 850)
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Who is the Ink Business Premier for?

Bankrate’s Take — Is the Ink Business Premier worth it?

How we rated this card

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50+
cards rated
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700+
data points considered
Credit Card Cash Back Icon
10
spending categories analyzed
Credit Card Reviews Icon
40+
perks evaluated

Frequently asked questions

What cardholders think

Image of Ink Business Premier® Credit Card

Ink Business Premier® Credit Card

4.3 Star Icon
45 ratings
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Score breakdown
5 stars
60%
4 stars
22%
3 stars
11%
2 stars
0%
1 star
7%
Score by category
Overall 4.3 / 5
Extra perks 3.9 / 5
Privacy and security 4.4 / 5
Customer service 4.4 / 5
Online portal or mobile app 4.2 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Ink Business Premier® Credit Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
What made you choose this card?
I use this card for my business. It's accepted everywhere and I get rewards.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The cash backs on large purchases was the deciding factor I guess
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Great cash back rewards
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Business owner does all his business with Chase
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I like using this card because of the benefits that I receive and can put back into my business.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
the ad i saw
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I love it. It's been wonderful to me. My favorite.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Chase has a really good website and it's easy to use.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Received an offer in my email
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I have a personal and business account with chase so it made sense to have a credit card through them as well to make it seamless
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The change in customer service is disappointing
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Overall use and easy to deal with
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Great benefits and perks if qualified
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
From time to time I turn some of the points into cash back to pay the bill
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I’ve earned cash back on multiple purchases.
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I get rewards and buy Lowes cards and use them
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I’d recommend my chase business card to a friend because of its travel rewards and low apr
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes , I use it every day
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would definitely recommend this card because the fees are good and customer service is great.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
easy to apply for since i had a chase card already
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Periodically, discounts are offered when paying for items with the Chase Ik business Card.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I like this card for its initial cash back bonus and now use it for its 5% cash back for most biz and household expenses.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Recommendations from trusted peers
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I did not. Work card
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Used rarely only for purchases from one site.
Score by category
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes, recommend to a friend
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because of cash back can be applied to monthly statement.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Have checking acct
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have gotten good cashback and interest from using this card for business expenses and purposes
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
easy to use
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
This card has done what I need it to do.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Great company and satisfactory rewards.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
excellent offer at holiday
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I had an emergency with money and they helped me out with the money
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is easy to charge my business transactions
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
high limmit and strong backing
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it cause I have every chase card in my wallet and I think chase is the best bank
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to a friend because it’s reliable and has no real issues but sometimes it has some processing issues
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I got rewards cases form store
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Better point system / rewards
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Was able to go to airport lounges
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I have a checking account with Chase
Score by category
Extra perks 2 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is not everyday, but all days that I work. My Chase card is my company card, and I use it a lot and every week for work.
Score by category
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
already had a chase card and this seemed like the logical next step plus when I signed up the interest rate was lower than it is now
Score by category
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It is easy to understand and basic conditions are simple to remember
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Written by
India Davis
Editor, Credit Cards
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.
Edited by Former Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.