Ink Business Premier® Credit Card Review

Who Is the Ink Business Premier® Credit Card For?

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The Ink Business Premier® Credit Card card is ideally suited for established businesses with high monthly expenditures and those making frequent big-ticket purchases.

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This card particularly benefits:

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1. Business owners spending $5,000+ on single purchases regularly
2. Companies with high business credit scores looking for no preset spending limits
3. Businesses preferring straightforward cash back over complex point systems
4. Organizations requiring employee cards with spending controls
5. Companies valuing premium travel benefits and purchase protections

Comparing the Ink Business Premier® Credit Card With Other Cards

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When considering the Ink Business Premier® Credit Card, it's helpful to compare it with other popular options in the business credit card category:

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Capital One Venture X Business:

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• Annual fee: $395

• Welcome offer: Substantial miles bonus after meeting spending requirements

• Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Business Travel

• Standout feature: 10,000 bonus miles each account anniversary

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Ink Business Unlimited® Credit Card:

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• Annual fee: $0

• Welcome offer: Large points bonus after meeting spending requirements

• Key rewards: Unlimited 1.5% for all purchases

• Standout feature: Unlimited 1.5% cash back rate with no categories to manage for consistent rewards on all business spending.

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The Business Platinum Card® from American Express (See Rates & Fees):

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• Annual fee: $695

• Welcome offer: Substantial points bonus after meeting spending requirements

• Key rewards: Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.

• Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.

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Key Takeaways:

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• Ink Business Premier® Credit Card excels in offering businesses with substantial spending needs

• Capital One Venture X Business offers high travel rewards

• Ink Business Unlimited® Credit Card provides strong points on business-related categories

• The Business Platinum Card® from American Express features premium travel perks

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Consider Using Kudos

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To maximize your rewards with the Ink Business Premier® Credit Card, consider downloading Kudos, a free AI-powered browser extension. Kudos can help you:

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• Automatically identify the best card to use for each purchase

• Track and optimize your rewards across multiple cards

• Access exclusive Flash Boost events for up to 5X rewards

• Make informed decisions about when to use your Chase Ink Business Premier for maximum returns

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Currently, Kudos is offering $20 back after your first eligible purchase — simply sign up for free with code "GET20" and make a purchase at a Boost merchant.

Our Expert Takeaway

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The Ink Business Premier® Credit Card delivers exceptional value for businesses with substantial spending needs. While the $195 annual fee and pay-in-full requirement may seem demanding, the combination of high cash back rates, flexible spending limits, and comprehensive protections makes it a compelling choice for established businesses. The card's straightforward rewards structure and premium benefits package justify its position as a top-tier business credit card.

Ink Business Premier® Credit Card FAQ

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What are the credit score requirements?

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While Chase doesn't publicly disclose minimum requirements, businesses typically need excellent credit (740+) for approval.

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Does the Chase 5/24 rule apply to this card?

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Yes, Chase's 5/24 rule applies, meaning you won't be approved if you've opened 5 or more personal credit cards across all banks in the past 24 months.

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Can I request additional employee cards?

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Yes, employee cards are available at no additional cost and come with customizable spending controls.

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What purchase protections are included?

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The card offers extended warranty protection, purchase protection against damage or theft, and cell phone protection up to $1,000 per claim.

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How does the no preset spending limit work?

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Instead of a fixed credit limit, your purchasing power adjusts based on factors including payment history, credit record, and business resources.

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Can I transfer cash back to Ultimate Rewards points?

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No, unlike other Chase business cards, cash back earned with the Ink Business Premier cannot be converted to Ultimate Rewards points.

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Is there a resubmission process if denied?

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Yes, Chase offers a reconsideration line where you can appeal a denial by providing additional business information.

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How long do I need to wait between Chase business card applications?

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Chase typically requires waiting one business card per 30 days and follows a 2 per month rule for all credit card applications.