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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Chase Ink Business Premier card review: Solid cash back but little flexibility
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
also contributed to this story
October 6, 2025 • 10 min read
JLCO-JULIA AMARAL/GETTY IMAGES
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Quick summary
A business-focused cash-back card offers straightforward rewards and some purchase protections, but lacks flexibility for travel redemptions.
Employee cards come at no extra cost and the card includes benefits like cellphone protection, purchase protection and trip cancellation/interruption insurance.
Rewards earned cannot be transferred to travel partners or combined with other rewards accounts for higher value.
The card may appeal to businesses with large regular expenses, but its benefits and redemption options are limited compared to competitors.
What to consider
The card requires a relatively high spend to unlock its top earning rate and welcome bonus.
Redemption options are limited to cash, gift cards and travel at a fixed value per point, with no ability to transfer to travel partners.
Applicants must meet certain eligibility criteria, including being under the 5/24 rule and having a strong business or personal credit profile.
What you'll miss from the article
A detailed comparison of how this product stacks up against other business cards, including those offering transferable rewards and more robust travel perks.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The Chase (see rates and fees) is geared toward business owners who want to earn cash-back rewards on their day-to-day purchases. Its earning rates are decent, but the $195 annual fee is high for what you get from this product since you won't be able to transfer your rewards to Chase's travel partners for maximum value. Card rating*: ⭐⭐½
* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Chase has long offered "cash-back" credit cards that actually earn Chase Ultimate Rewards points.
That means if you have another Chase card that earns transferable Ultimate Rewards points, such as the (see rates and fees) or the (see rates and fees), you could transfer your cash back to an Ultimate Rewards-earning card and then use the converted points with Chase's various airline and hotel partners.
The Chase , however, is a different story since it earns cash back that can't be transferred to partners, regardless of what other Chase cards you have.
We recommend you have a credit score of at least 670 to increase your chances of approval for this card. You can also apply for the card using an employer identification number, which is tied to your business credit score.
The Ink Business Premier might be worth considering for some businesses looking to save money on large expenses. Here's what you need to know.
Chase Ink Business Premier pros and cons
Pros
Cons
Decent earning rate on all purchases outside of bonus categories
Employee cards at no additional cost
Travel and purchase protections
Cellphone protection
No foreign transaction fees
Annual fee
Requires a higher spending amount for higher earning rates
Can't transfer points to Chase's transfer partners or to another Ultimate Rewards-earning account
Chase Ink Business Premier welcome offer
New cardholders can earn $1,000 in bonus cash back after spending $10,000 on purchases within the first three months of account opening.
That easily offsets the $195 annual fee for your first year, and it's a decent welcome offer compared to similar card options. This is the standard welcome offer we typically see on this card. Note that you'll receive the welcome bonus as 100,000 points, which can be redeemed as $1,000 cash back.
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However, plenty of travel rewards credit cards offer welcome bonuses of higher value, both for business and personal use. And while this is a large bonus for a business-focused cash-back card, most cash-back business cards come with lower annual fees.
Plus, the spending requirement for this card's welcome bonus is quite high, so that's something else to keep in mind.
Aside from certain protections, this card lacks travel-specific perks. However, it does have a few benefits that can bring business owners value and peace of mind. Some of these perks are similar to what other Chase Ink cards offer:
Employee cards: Similar to other Ink cards, employee cards don't cost the primary cardholder any additional fees.
Cellphone protection: Coverage extends up to $1,000 per claim for up to three claims per year with a $100 deductible per claim.
Purchase protection: This benefit covers new purchases for 120 days against damage or theft (up to $10,000 per item and up to $50,000 per account).
Trip cancellation/interruption insurance: If your trip gets canceled or cut short because you get sick or due to severe weather or other covered situations, you can get reimbursed up to $5,000 per covered traveler (up to $10,000 total per trip) for prepaid, non-refundable travel expenses (this includes things like tours and hotel reservations).
Extended warranty protection: Purchases with a three-year or less U.S. manufacturer's warranty will include an additional year of coverage.
Auto rental collision damage waiver: Enjoy primary coverage that protects against theft and damage in the U.S. and most countries around the world. You'll get up to $60,000 in reimbursement for most vehicles with a manufacturer's suggested retail price of $125,000 or less.
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Considering you can get cellphone protection and similar benefits with the (see rates and fees) for a much lower $95 annual fee, the benefits on this card aren't especially exciting compared to the competition.
If you're a business owner just looking for cash back on purchases, benefits may not matter as much to you. But for that higher $195 annual fee, it's fair to expect more valuable perks like access to transfer partners or some statement credits, like one for TSA PreCheck or Global Entry.
Earning rewards on the Chase Ink Business Premier
To be clear, the Chase does not earn transferable Chase Ultimate Rewards points. Instead, you'll earn:
5% cash back on travel booked through Chase Travel℠
5% cash back on Lyft purchases (through Sept. 2027)
2.5% cash back on purchases of $5,000 or more
2% cash back on all other purchases
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Unlimited 2% cash back on purchases isn't incredibly lucrative, but it is a solid return, considering you don't have to worry about bonus categories or spending caps. Regardless of your business spending habits, you know you're earning a decent return on your purchases.
Plus, 2.5% cash back on purchases of $5,000 or more is a nice perk for businesses that tend to have larger expenses, while that 5% category is great for businesses that anticipate booking lots of trips via Chase Travel.
Redeeming rewards on the Chase Ink Business Premier
Cash back earned on the gets tracked as points; each dollar equates to 100 points, so when it comes to redeeming your rewards, you'll notice that you redeem points.
Cardholders can redeem their points for cash, gift cards, travel and more. Your points are worth 1 cent each toward any of these redemption options.
Unlike some other Chase cards that earn cash back, you won't be able to transfer the rewards you earn with the Chase Ink Business Premier into your other Chase accounts to take advantage of Chase's airline and hotel transfer partners.
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That's a major downside to the Ink Business Premier. Based on this reason alone, we find it hard to recommend this card, as your options for maximizing your hard-earned rewards are extremely limited.
For instance, some of Chase's "cash-back" credit cards, like the (see rates and fees) and the (see rates and fees), allow you to combine your rewards from them with your higher-tier cards, including the and .
Then, you can transfer those points to Chase's transfer partners to get more than 1 cent per point (if not more) in value.
Which cards compete with the Chase Ink Business Premier?
Overall, given what we know Chase is capable of, the is pretty lackluster. Unless you're a high-spending business owner who doesn't care about flexible travel rewards, there are other options out there that may better suit your needs.
If you want to earn transferable Ultimate Rewards points: The (see rates and fees) earns 4 points per dollar spent on flights and hotels booked directly, 3 points per dollar spent on social media and search engine advertising and 1 point per dollar spent on all other purchases. Plus, this card earns Ultimate Rewards, so you don't have to worry about converting cash back from another Chase card to points. To learn more, read our full review of the Sapphire Reserve for Business.
If you prefer American Express: earns 2 Membership Rewards points per dollar spent on every purchase (on the first $50,000 spent each calendar year, then 1 point per dollar spent after that). Additionally, you can transfer points to Amex's airline and hotel partners. Plus, this card doesn't have an annual fee (see rates and fees), which is nice. To learn more, read our full review of the Blue Business Plus.
If you prefer Capital One: The Capital One Spark Cash Plus earns an unlimited 2% cash back on all purchases without any spending limits. You can also get your $150 annual fee refunded every year you spend $150,000 or more in a year. To learn more, read our full review of the Capital One Spark Cash Plus.
The lack of ability to transfer your points to Chase's transfer partners or other Chase cards makes the a poor choice for those looking to maximize rewards. If you're a small-business owner hoping to earn points to put toward award travel, we recommend looking into other cards.
Bottom line
Some business owners who have high expenses and make large purchases regularly should be able to get solid value out of this card. Yet, its lack of redemption flexibility for award travel, limited benefits and a comparatively high annual fee are all likely to strike against it for many small-business owners.
The simply doesn't quite hold up to the competition. As a small-business owner or someone with a side hustle who wants to earn rewards, you'll likely want to look elsewhere to meet your business credit card needs.
For rates and fees of the Amex Blue Business Plus card, click here.
