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Chase Business

Chase Ink Business Premier benefits guide.

A flat 2% business card with 2.5% on large individual purchases of $5,000 or more and 5% on Chase Travel. Important distinction from the rest of the Ink lineup: Premier earns cash back only — earnings cannot be transferred to airline or hotel loyalty programs.

Chase Business · Annual fee $195

Chase Ink Business Premier

Last updated: June 19, 2026. Verify current terms, earning rates, and protections with Chase before applying.

Core earning rates

  • 5%Travel purchased through Chase Travel.
  • 2.5%Individual purchases of $5,000 or more. This applies per transaction — each single purchase of $5,000+ earns 2.5%.
  • 2%All other purchases, including purchases under $5,000 that don't qualify for the 2.5% rate.
Important: cash back card only

Ink Business Premier earns cash back, not transferable Ultimate Rewards points. Earnings cannot be transferred to airline or hotel loyalty programs regardless of what other Chase cards you hold. If you want transferable UR points from business spending, see the Ink Business Preferred guide.

Card snapshot

Rewards currencyCash back only — NOT transferable to airline or hotel partners
Primary categories5% Chase Travel; 2.5% on individual purchases of $5,000+; 2% everything else
Credit structureNo statement credits; $195 annual fee
Travel profilePrimary auto rental; trip cancellation; no FTF

What this card is built around

The Chase Ink Business Premier is designed for businesses that want a high flat cash back rate on all spending, with an elevated rate for large individual transactions. The 2% base rate on everything beats the 1.5% of Ink Unlimited, and the 2.5% rate on purchases of $5,000 or more is particularly relevant for businesses that regularly make large individual payments — equipment purchases, inventory orders, large contractor invoices, or vendor payments.

The key constraint is that Ink Premier earns cash back exclusively. It cannot serve as an anchor card for UR point transfers the way Ink Preferred or a Sapphire card can. Businesses optimizing for airline or hotel points should use the Ink Preferred instead. Ink Premier is the right choice when the goal is simply maximizing cash back return, especially on high-value individual transactions.

Who this card is and isn't for

Ink Premier is for…

Businesses that prioritize cash back over travel points. The 2% flat rate beats the 1.5% of Ink Unlimited for all spending. The 2.5% rate on $5,000+ transactions is unique in the Ink lineup and valuable for businesses making frequent large individual payments — equipment, inventory, contractors, large vendor invoices.

Ink Premier is NOT for…

Businesses that want transferable airline or hotel points. Ink Premier's cash back cannot be converted to UR transfer currency. If you want 3x on travel, advertising, or telecom in transferable points, use the Ink Preferred. If you want to pair cash-back Ink cards with a transfer account, use Ink Cash or Ink Unlimited paired with an Ink Preferred or Sapphire — Ink Premier does not participate in that strategy.

Ink Premier vs. Ink Preferred: the decision

Choose Ink Premier if you want higher raw cash back (2% vs. 1x base + transfer) and make frequent $5,000+ purchases. Choose Ink Preferred if you spend heavily on travel, digital advertising, shipping, or telecom (3x), want transferable UR points, or want to unlock transfer value for Ink Cash and Ink Unlimited earnings. At $195 vs. $95, Ink Premier costs $100 more per year.

Ink Premier vs. Ink Unlimited: the decision

Ink Premier earns 2% flat vs. Ink Unlimited's 1.5% flat — a 0.5 percentage point advantage. On $100,000 in annual business spend, that difference is $500 in additional earnings. Whether that justifies the $195 annual fee (vs. $0 for Ink Unlimited) depends on total spending volume. The crossover is approximately $130,000 per year in spending where Ink Premier's higher rate offsets the additional $195 fee.

Protections and coverage

Benefit What it may cover Key limits
Auto Rental Collision Damage Waiver (Primary) Primary coverage for damage or theft of a rental car when renting for business purposes, declining CDW, and charging the full rental to the card. Covers most vehicles when renting for business. Certain vehicle types excluded.
Trip Cancellation/Interruption Insurance May reimburse prepaid, non-refundable travel expenses for a covered cancellation or interruption. Up to $5,000 per trip per covered person. Must charge trip to the card. Lower than Ink Preferred's $10,000 limit.
Purchase Protection May cover eligible purchases against accidental damage or theft for a limited period. Up to $10,000 per claim, up to $50,000 per account. 120 days from purchase date.
Extended Warranty Protection May extend the original manufacturer's warranty on eligible products. Adds up to 1 year to warranties of 3 years or less.
No Foreign Transaction Fees Purchases outside the United States do not incur Chase foreign transaction fees. Applies per card terms.

This card is a fit if…

  • You want maximum cash back on business spending and prefer 2% flat (vs. 1.5% Ink Unlimited) across the board.
  • Your business makes frequent individual purchases of $5,000 or more — equipment, inventory, large invoices — where the 2.5% rate creates meaningful additional return.
  • You do not need transferable Ultimate Rewards points and are not building a multi-card Ink stack for UR transfer value.
  • Your total business spend is high enough that the 0.5% rate advantage over Ink Unlimited offsets the $195 annual fee.

FAQ

Chase Ink Business Premier questions.

Can Ink Business Premier earnings be transferred to airline partners?

No. Ink Business Premier earns cash back only — not transferable Ultimate Rewards points. Earnings cannot be sent to airline or hotel loyalty programs regardless of other Chase cards you hold. If you want transferable UR points from business spending, the Ink Business Preferred ($95/year) is the appropriate card.

How does the 2.5% rate on $5,000+ purchases work?

Each individual transaction of $5,000 or more earns 2.5%. This is per-transaction, not a monthly or annual spending threshold. Purchases under $5,000 earn 2%. Businesses making large individual payments for equipment, inventory, or contractors benefit most from this structure.

Who should choose Ink Premier over Ink Preferred?

Ink Premier is better for businesses that want cash back (not transfer points), make frequent large individual purchases of $5,000+, and don't need UR transfer value. Ink Preferred is better for businesses that want transferable airline/hotel points or earn heavily in travel, shipping, advertising, or internet/phone at 3x.

What is the annual fee on Ink Business Premier?

$195 per year. This is $100 more than Ink Business Preferred ($95) and $195 more than Ink Cash and Ink Unlimited (both $0). The higher rate (2% vs. 1.5% flat for Ink Unlimited) offsets the fee at roughly $130,000 in annual spend.

What protections does Ink Business Premier include?

Primary auto rental coverage (for business rentals), trip cancellation and interruption insurance (up to $5,000 per trip per person), purchase protection (up to $10,000/claim, 120 days), extended warranty (+1 year), and no foreign transaction fees.

Related guides

More Chase Ink Business guides.

Chase Ink Business guide index Chase Ink Business Preferred — for UR transfer value Chase Ink Business Unlimited guide

Sources

Primary pages to verify.