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Ink Business Premier® Credit Card
Welcome Offer
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How to Earn Rewards
5%
Total cash back on travel purchased through Chase Travel℠ (no cap). Stacks with Lyft promo for any Lyft rideshare booked through Lyft mobile app (5%).
5%
Total cash back on Lyft rides through September 30, 2027 (qualifying Lyft purchases through the Lyft mobile app)
2.5%
Total cash back on purchases of $5,000 or more (per single transaction). NOTE: $5K threshold is per individual transaction — split shipments may not qualify if individual posted amounts are less than $5K.
2%
Cash back on all other business purchases (no cap)
Key Benefits
Tap any benefit to see details.
No Foreign Transaction Fees
No foreign transaction fees on international purchases. Useful for businesses with international travel or vendor payments.
Cell Phone Protection (Up to $1,000/Claim)
Cell phone protection against covered theft or damage when you pay your cell phone bill with the card. Up to $1,000 per claim per AwardWallet (Chase amount). NOTE: Page doesn't specify the per-claim amount — current Chase amount across the Ink family is $1,000/claim.
Auto Rental Collision Damage Waiver (PRIMARY for Business Rentals)
PRIMARY auto rental collision damage waiver coverage for business rentals (most cards offer secondary). Charge the entire rental cost to your card and decline the rental company's CDW. Major benefit for businesses with car rental expenses.
Trip Cancellation/Interruption Insurance
Reimbursement for prepaid, non-refundable passenger fares if your trip is canceled or cut short by sickness, severe weather, or other covered situations.
Baggage Delay Insurance
Reimbursement for unreimbursed expenses (toiletries, clothing, etc.) when your baggage is delayed by a common carrier.
Travel & Emergency Assistance Services
24/7 hotline for help with travel arrangements during unexpected travel issues (medical referrals, legal referrals, emergency travel arrangements).
Purchase Protection (120 Days)
Purchase protection covers eligible new purchases for 120 days against damage or theft.
Extended Warranty Protection
Extended warranty adds an additional year to eligible U.S. manufacturer's warranties of 3 years or less.
Free Employee Cards (With Spending Controls)
Add unlimited employee cards at no extra cost. Set individual spending limits per employee. Earn rewards on their business spending.
Pay-in-Full Card with No Preset Spending Limit
This card has NO preset spending limit, but it's a pay-in-full card — must be paid in full each statement period (Flex for Business is the exception). Spending limit evolves based on payment history and previous spending. Useful for businesses with seasonal large purchases or growth.
Flex for Business (Pay Eligible Purchases Over Time)
Optional financing tool — pay for SOME purchases over time (with interest). APRs start at variable 17.74% (subject to change). Provides cash flow flexibility for businesses with seasonal or large one-time expenses. Use sparingly or strategically.
Refer a Business: 20,000 Bonus Points Per Approved Referral (Max 200K/Year)
Earn 20,000 bonus points (= $200 cash back) for each approved business referral, up to 200,000 bonus points per year (= $2,000 cash back). Referral bonuses may generate a 1099 tax form.
Visa Business Benefits + Concierge
Standard Visa Business benefits including 24/7 concierge service and travel/emergency assistance.
Doesn't Report to Personal Credit (5/24 Friendly Post-Approval)
As a Chase business card, this does NOT automatically report to your personal credit report — does NOT count toward Chase's 5/24 rule once approved (though it counts when you APPLY).
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
This card ONLY gives cash back. Unlike other cash back offers from Chase, there is no option to combine what you're earning here with a Chase Sapphire Preferred® Card and then transfer to Hyatt or United, etc. For that reason, I rarely recommend this card — especially because it has a high annual fee with few benefits.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| $1,000 Bonus Cash BackCurrent | $10,000 in 3 months | Standard offer (current; ONLY offer since launch in late 2021) |
