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Chase’s newest business credit card, the Ink Business Premier® Credit Card, is now publicly available to apply for. This new entry helps round out Chase’s Ink card lineup and will be especially appealing for big spenders, though it does come with the steepest annual fee of the bunch at $195 per year.
Here’s everything you need to know about this new card to help determine if it’s a good fit for your business’ needs.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000
$1,000
$195
Flex for Business Variable APR: 18.99% - 26.99%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Chase has introduced the Ink Business Premier® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Pros
Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Travel
Cons
$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC
Financial Snapshot
APR: Flex for Business Variable APR: 18.99% - 26.99%
Foreign Transaction Fees: None
Ink Business Premier Card Rewards
The new card earns rewards at the following rates:
However, it seems that while the Ink Business Premier card will earn Ultimate Rewards, you are not able to utilize transfer partners or combine these points with your other Ultimate Rewards-earning cards.
While the Ink Business Premier card does charge a $195 annual fee, it also offers the following benefits:
No foreign transaction fees
No additional fees for additional employee cards
Cell phone protection, up to $1,000 per year in total coverage with a $100 deductible
Trip delay reimbursement
Trip cancellation/interruption insurance
Primary rental car coverage
Purchase protection
Extended warranty coverage
Final Thoughts
Since the Ink Business Premier card does not offer Ultimate Rewards points pooling and its primary use is a cash-back card, then it likely will only be useful for large businesses with high levels of spending. After all, there are already cash-back cards on the market, like the Capital One Spark Cash Plus CardInformation collected independently. Not reviewed by Capital One. and The American Express Blue Business Cash™ Card that earn 2% back on all purchases up to $50,000 per year (1% thereafter) with lower annual fees.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.