Chase Ink Business Premier
By Alex Compton · Last verified
2.5% cash back on individual purchases of $5,000 or more, with a $195 annual fee
Welcome Bonus
100,000
≈$1,000 value
Spend Requirement
$10,000
in 3 months
Annual Fee
$195
No FTF
Credit Score
Chase
reviews personal credit and business information; no score guarantees approval
Current offer note: $1,000 cash back after $10,000 in purchases within three months. The bonus may be unavailable if you have ever had this card; Chase also considers business-related eligibility factors.
Common Questions
What is the current Ink Business Premier bonus?
The public offer verified October 23, 2026 is $1,000 cash back after $10,000 in purchases within three months. Chase says prior ownership of this card and business-related factors may affect bonus eligibility.
What credit score is required for Ink Business Premier?
The reviewed Chase terms do not specify a guaranteed approval score. Chase considers personal credit, business financial information and application details; a 740 score alone does not establish eligibility.
Does spending $5,000 in a month earn 2.5% on everything?
No. Each eligible purchase must bill and post at $5,000 or more. Separate smaller transactions do not combine to meet the threshold.
Can Ink Premier points be used for travel?
Yes. The reviewed agreement allows Chase Travel redemptions at 1 cent per point, along with cash and gift cards at that value. Other redemption choices can differ.
Can Ink Premier points transfer to airlines or another Chase card?
The reviewed Premier agreement does not provide airline/hotel transfers or moving points to another Chase card. Do not assume that owning Sapphire or Ink Preferred unlocks those options for Premier points.
Must every Ink Premier purchase be paid in full immediately?
No. Pay in Full balances must be paid monthly, while eligible Flex for Business balances can be repaid over time with interest. Flex capacity and the statement’s payment requirements matter.
When does Ink Premier beat a no-fee 2% card?
Considering only the extra 0.5% on large purchases and the $195 fee, it breaks even at $39,000 of qualifying large-purchase spending per year. Bonuses, other rewards, usable benefits, interest and payment fees change the result.
How much phone protection does Ink Premier provide?
Up to $1,000 per covered claim after a $100 deductible, with no more than three paid claims per 12 months. Full monthly bill payment, coverage timing and exclusions apply.
Does Ink Premier charge a foreign transaction fee?
No. The current pricing terms list no foreign transaction fee. The annual fee is $195, and interest and other charges can apply.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-23 | 100,000 | $10,000 in 3 mo | Terms reconfirmed$1,000 cash back after $10,000 in purchases within three months. The bonus may be unavailable if you have ever had this card; Chase also considers business-related eligibility factors. | Chase Ink Business Premier offer details → |
| 2026-09-04 | 100,000 | $10,000 in 3 mo | Terms reconfirmed$1,000 cash back; current public offer reconfirmed | Chase Ink Business Premier offer details → |
| 2026-01 | 100,000 | $10,000 in 3 mo | Terms reconfirmed$1,000 cash back | Archive record · no attached snapshot |
| 2024-03 | 100,000 | $10,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-09 | 100,000 | $10,000 in 3 mo | Earliest recordLaunch offer, $1,000 cash back | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Reconfirmed $1,000 after $10,000 in three months and $195 fee. Corrected score/approval and prior-card framing, transaction threshold, redemption options and Flex payment distinction; added dated Lyft and coverage limits plus original fee/surcharge math. Removed unsupported explicit 5/24 exemption and added one business-guide related link.
Fields: currentOffer, offerHistory, lastVerified, creditScore, fiveTwentyFour, tagline, earningRates, benefits, pros, cons, ourTake, bestFor, editorialReview
Chase Ink Premier offer, live pricing, rewards agreement and matched benefits guide → - confirmed
Reconfirmed the $1,000 offer after $10,000 in three months, $195 fee, 2.5 percent large-purchase rate, 2 percent base rate, and Flex for Business structure.
Fields: currentOffer, offerHistory, cons, lastVerified
Chase Ink Business Premier offer details →
Source checked 2026-10-23 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5%Eligible travel purchased through Chase TravelTotal rate, not an extra 5%; FROSCH bookings do not qualify for this rate
- 5%Qualifying Lyft purchases through September 30, 2027Total rate for eligible app purchases; gift cards, car rentals and other exclusions apply
- 2.5%Each eligible purchase that bills and posts at $5,000 or moreSeparate smaller charges do not combine to meet the threshold
- 2%Other eligible business purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No foreign transaction fee; employee cards at no additional cost
- ✦Pay in Full and Flex for Business balances have different payment requirements; eligible Flex balances can carry interest
- ✦Cash, gift-card and Chase Travel redemption options; the reviewed rewards agreement values those redemptions at 1 cent per point
- ✦Cell phone protection up to $1,000 per claim after a $100 deductible, with at most three paid claims per 12 months; full monthly bill payment and exclusions apply
- ✦Rental coverage is primary for eligible business rentals; trip cancellation/interruption coverage applies only for covered reasons and eligible expenses
Why it earns its spot
- +An uncapped 2.5% rate on qualifying individual purchases of $5,000 or more
- +2% on other eligible business spending
- +Employee cards can earn on the same account without an additional card fee
Where it costs you
- −The $195 annual fee needs recurring value beyond a first-year bonus
- −Split bills below $5,000 miss the large-purchase rate
- −The reviewed rewards agreement does not provide airline/hotel transfers or a way to move Premier points to another Chase card
- −Financing interest and merchant card-payment fees can exceed the rewards
The Compound Verdict
Ink Premier can fit a business that regularly makes individual purchases of at least $5,000 and can repay without interest. The extra half percentage point over a hypothetical no-fee 2% card needs $39,000 in qualifying large-purchase spending each year just to cover the $195 fee. Smaller transactions do not help that comparison, and a supplier’s card surcharge can erase the reward. Evaluate the welcome offer separately from renewal value, and choose another rewards program if airline or hotel transfers are essential.
Current $1,000 bonus and prior-card eligibility
The public offer checked October 23, 2026 is $1,000 cash back after $10,000 in purchases within three months of account opening. Chase says the bonus may not be available if you have ever had this card and may consider business-related factors. This is not a guaranteed repeat bonus after a fixed waiting period. Qualifying purchases exclude cash advances, transfers, account funding, fees and other cash-like transactions. Allow six to eight weeks after qualifying; the account must remain open and not in default when the bonus is fulfilled.
Current offer and eligibility conditionsCredit score, business use and personal responsibility
Chase does not promise approval at a 740 score in the reviewed application terms. It evaluates your credit report, business financial information and application details. The authorizing officer is personally responsible together with the business for the balances, including employee-card spending. The card is for business purposes; the terms include sole proprietors. An EIN, strong score or existing Chase relationship does not by itself establish approval, a particular credit line or bonus eligibility.
Application review, business use and individual liabilityThe $5,000 threshold applies to each posted purchase
A qualifying individual purchase that bills and posts at $5,000 or more earns 2.5% total; other eligible business purchases earn 2%. The higher rate is not based on monthly spending or the original order total if the merchant splits the billing. For example, a $6,000 order billed as two $3,000 charges earns $120 at 2%, versus $150 if it posts as one qualifying $6,000 charge. Ask how a vendor bills before counting on the extra $30; do not buy more than needed just to cross the threshold.
Large-purchase billing rule; illustrative split-charge calculationPoints can buy travel, but this is not a transfer-points strategy
Premier’s cash rewards are tracked as points: 100 points represent $1 in cash rewards. The reviewed agreement values cash, gift-card and Chase Travel redemptions at 1 cent per point, so 100,000 points correspond to $1,000 for those options. Other redemption choices can have different values. The agreement does not provide airline/hotel transfers or moving Premier points to another Chase card; do not assume that holding Sapphire or Ink Preferred unlocks them. Cash-only wording is also inaccurate because gift cards and travel are supported.
Redemption options, values and movement restrictionsDoes the extra 0.5% cover the $195 fee?
Against a hypothetical no-annual-fee 2% card, the additional 0.5% on qualifying large purchases offsets $195 at $39,000 a year: $39,000 × 0.005 = $195. Purchases earning only 2% add no advantage in that comparison. This assumes cash redemption, identical purchase costs and no interest, and excludes bonuses, travel/Lyft rates and other benefits. Watch supplier fees: a 3% card surcharge on a $10,000 base invoice is $300, already more than the $250 reward on the base purchase. Even if that surcharge also earns 2.5%, the total reward is only $257.50.
Annual fee; illustrative recurring-value and surcharge calculationsPay in Full and Flex for Business are different balances
Chase automatically puts an eligible purchase into Flex for Business only when enough Flex capacity exists for the entire purchase. Other purchases go to Pay in Full, which must be paid monthly. Flex can be repaid over time with interest; the current live pricing checked October 23 lists a variable 17.99%–28.74% APR. Paying the entire statement balance by the due date avoids interest on new Flex purchases under the terms. Flex capacity can change or be restricted. It is not an introductory 0% APR offer, and paying only a minimum is not the same as avoiding interest.
Current live APR and payment terms; Flex allocation rules on the product pageChase Travel and the temporary Lyft rate
Eligible Chase Travel purchases earn 5% total. The rewards agreement excludes FROSCH bookings and awards the rate only on the portion paid with the card when a booking uses both points and cash. Separately, qualifying Lyft app purchases earn 5% total through September 30, 2027. Rideshare, eligible bike/scooter rides and memberships can qualify; gift cards, car rentals and other exclusions apply. These are total rates, not amounts to add to the base rate. Compare final booking prices and cancellation terms before choosing a portal for rewards.
Chase Travel and dated Lyft offer termsCell phone protection requires full bill payment
Pay the entire monthly cellular-service bill with the card. Eligible phones must be listed on the bill. The guide provides supplemental coverage up to $1,000 per claim after a $100 deductible, limited to three paid claims per 12 months. Initial coverage begins the day after bill payment; missed subsequent payments can suspend coverage. Unexplained disappearance, mechanical failure and cosmetic-only damage are excluded. Check the guide’s claim deadlines and your carrier’s autopay discount before changing how you pay.
Ink Premier/Preferred guide, cell phone coverage pages 8–10Rental and trip coverage have different limits
For eligible business rentals, collision/theft coverage is primary, up to $60,000, for rentals of up to 31 days. Charge the full rental with the covered card and/or rewards and decline the rental agency’s collision coverage; vehicle and other exclusions apply. It does not replace liability insurance. Trip cancellation/interruption reimburses eligible prepaid expenses only for covered reasons, with limits of $5,000 per covered traveler, $10,000 per trip and $20,000 per account per 12 months. Compare the guide supplied with your account before relying on either benefit.
Ink Premier/Preferred guide, rental and cancellation/interruption limitsReview details and sources updated 2026-10-23
This scoped update covers fees, benefit rules and application guidance. The offer record retains its separate verification date.
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