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Ink Business Premier℠ Credit Card | Credit Cards

How to Maximize Rewards With the Ink Business Premier Credit Card

Here’s how to use the Ink Business Premier Credit Card to maximize rewards:

Earn the new cardholder bonus. Receive $$1,000 cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Use everyday business spending to accrue points. Cardholders get 5% cash back for travel bookings through the Chase Ultimate Rewards portal, 2.5% back on purchases of at least $5,000, and 2% back on all other business purchases with no limit. Consider whether you could make certain purchases with the card. You may also want to provide cards to employees who make business purchases – employee cards are available for no extra charge.

Reserve large purchases for the card. Each purchase of at least $5,000 on the Ink Business Premier Credit Card earns 2.5% cash back.

When you’re ready to redeem your points, you can use any amount, anytime for cash back rewards or options such as gift cards, travel bookings and more through Chase Ultimate Rewards. Rewards do not expire as long as your account is open. Points earned on the Ink Business Premier Credit Card are not transferable, however.

Comparisons With Other Credit Cards

Annual fee: You will pay a $195 annual fee with Ink Business Premier Credit Card and no annual fee with the Ink Business Cash Credit Card.

Rewards: The Ink Business Premier Credit Card earns 5% cash back on travel purchased through the Chase Ultimate Rewards portal, 2.5% back on each purchase of at least $5,000, and 2% back on all other business purchases with no limit. The Ink Business Cash Credit Card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% back on all other purchases.

Sign-up bonus: You can earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening with the Ink Business Premier Credit Card. For the Ink Business Cash Credit Card, earn a 750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Benefits: The Ink Business Cash Credit Card allows you to pay off eligible purchases over time, with interest, up to your Flex for Business limit. This card also comes with zero liability protection, extended warranty coverage and cellphone insurance, plus digital tools to set spending limits and purchase alerts. The Ink Business Cash Credit Card, offers a 0% introductory annual percentage rate on purchases for 12 months, after which an APR of 18.24% to 24.24% variable applies. This card includes rental car insurance, fraud protection, extended warranty coverage, roadside dispatch and other benefits.

Annual fee: You will pay a $195 annual fee with the Ink Business Premier Credit Card and no annual fee with the American Express Blue Business Cash Card.

Rewards: The Ink Business Premier Credit Card earns 5% cash back on travel booked through the Chase Ultimate Rewards portal, 2.5% back on every purchase of at least $5,000, and 2% back on all other business purchases with no limit. The American Express Blue Business Cash Card offers 2% cash back on all eligible purchases for the first $50,000 spent annually and then 1% back after that.

Welcome offer: New cardholders can earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening with the Ink Business Premier Credit Card. You can get a $250 statement credit after you spend $3,000 on the American Express Blue Business Cash Card in the first three months.

Benefits: The Ink Business Premier Credit Card features zero liability protection, extended warranty coverage and cellphone insurance, plus digital tools to set spending limits and purchase alerts. The American Express Blue Business Cash Card comes with purchase protection, car rental loss and damage insurance, extended warranty coverage, and access to the Global Assist Hotline for travel help.

What Are the Fees Associated With the Ink Business Premier Credit Card?

  • Annual fee: The annual fee is $195.
  • Foreign transaction fee: $0.
  • Cash advance fee: either $15 or 5% of the amount of each transaction, whichever is greater
  • Late payment fee: $40 or 2% of the minimum payment due, whichever is greater.

Should You Get the Ink Business Premier Credit Card?

  • Don’t mind the annual fee.
  • Frequently make purchases of at least $5,000.
  • Do not intend to transfer points. 

Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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