Chase Ink Business Premier Credit Card Review: Tailored for High Spenders

Ink Business Premier: Big spends earn more, with a notable annual fee.

Chase Ink Business Premier Credit Card Review: Tailored for High Spenders

The Chase Ink Business Premier Credit Card is an intriguing option for businesses with substantial purchasing power. With its distinct rewards structure and an appealing sign-up bonus, it aims to cater to the needs of high-spending businesses, albeit with a notable annual fee.


  • Annual Fee: $195, indicating its positioning as a premium card offering.
  • APR: Flex for Business Variable APR: 19.49%-27.49%, offering some flexibility for large purchases.
  • Sign-up Bonus: A lucrative $1,000 bonus cash back after spending $10,000 within the first 3 months.


  • Rewards Rate: 2.5% cash back on purchases of $5,000 or more and 2% on all other purchases, with no caps.
  • Travel Perks: Includes no foreign transaction fees and 5% cash back on travel booked through Chase.
  • Charge Card with Flexibility: Offers the option to finance certain qualified purchases, blending the benefits of a charge card and a credit card.


  • Annual Fee: The $195 fee might deter smaller businesses or those not making regular large purchases.
  • Charge Card Hybrid: Requires meticulous management to ensure compliance with payment terms, potentially complicating financial management.
  • High Spending Requirement for Bonus: The threshold to earn the sign-up bonus might be steep for some businesses.

Product Summary

The Chase Ink Business Premier Credit Card stands out for businesses that regularly engage in high-value transactions, offering them an opportunity to maximize rewards. Its unique combination of a high rewards rate on substantial purchases and a sizeable sign-up bonus sets it apart. However, its annual fee and charge card characteristics require a careful assessment of suitability for your business's spending patterns and cash flow management capabilities. The Chase Ink Business Premier offers a compelling value proposition for businesses that can fully leverage its benefits, enhancing the rewards on large expenditures and travel.

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