The New Business Card! Ink Business Premier℠ Credit Card blots out the competition with excellent rewards and stellar all-around benefits. For those businesses with the spending to justify the $195 annual fee and the capacity to play by the pay-in-full-every-month charge card rules, the rewards potential could be overflowing.
With the option to use your Chase Ultimate Rewards® for either cash-back or travel booked through the Chase portal, cardholders earning rewards with the Ink Business Premier stand to gain quite a bit. We’ve outlined some tips to help you scribble out your plans for point-redemption domination.

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Ink Business Premier℠ Credit Card5.0Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.Apply Now On Chase Bank USA, NA’s WebsiteUp to 5X Reward Rate5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on purchases of $5,000 or more, andRead MoreWelcome Bonus$1,000 cash backAnnual Fee$195Regular APRFlex for Business Variable APR: 18.74% – 26.74%Credit ScoreGood/Excellent (700 – 749)Editorial ReviewThe Chase Ink Business Premier is a charge card that offers big spending power for businesses that can pay in full each month, as well as a generous rewards rate on large purchases.Pros & ConsStrong welcome offer5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on every purchase of $5,000 or more, and 2% cash back on every other purchaseNo annual fee for employee cardsSeveral travel and purchase protectionsHigh annual feeDesigned to be paid in full each monthPoints can’t be transferred to airline or hotel programsPoints can’t be transferred to other Ultimate Rewards-earning cardsCard DetailsEarn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Earning Chase Ultimate Rewards
Earn the Welcome Bonus
The Ink Business Premier’s welcome bonus includes an opportunity to earn $1,000 cash back after spending $10,000 on purchases in the first 3 months from account opening. This offer is high compared to other business cards’ welcome bonuses, so the amount of the reward warrants serious consideration. For those businesses eager to apply for this card, we recommend ensuring there’s a plan in place to meet the bonus requirements without carrying a balance to take advantage of this generous offer.
Leverage Everyday Spending for Points
All eligible purchases made with the Ink Business Premier card will earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 2.5% cash back on purchases of $5,000 or more, and 2% cash back on all other purchases, with no limit on the amount of cash back your business can earn. To maximize reward earning, ensure all employees spending business money on purchases are equipped with a card to do so—the Ink Business Premier offers employee cards at no extra cost.
With a solid cash-back rate, cardholders should consider trying to pay for any purchases previously paid for with cash, check, ACH transfer or by wire with the card instead. Though care should be taken not to spend more in vendor payment processing fees than you’ll earn in rewards. We’ll qualify this with a reminder that, as a Pay in Full card, the Ink Business Premier should be paid off every month if you’re not utilizing its Flex for Business feature: We never recommend putting any expenses on a card without a plan to pay it off.
Consider Using Your Card for Large Purchases
Purchases over $5,000 made with the Ink Business Premier earn additional cash back on top of the base rate—meaning any singular large purchases over $5,000 earn a total of 2.5% cash back. To maximize this extra reward, business owners should ensure vendors can ring up their purchases for over $5,000 all at once. For example, if your business makes $10,000 in purchases at a supplier but in increments of $2,000 at a time, the extra 0.5% cash back won’t be earned. Be careful to ensure your purchases each total more than $5,000.
Book Travel Through Chase Ultimate Rewards
Cardholders of the Ink Business Premier can earn an unlimited 5% cash back on travel purchased through the Chase Ultimate Rewards Travel Portal. Your business can maximize reward earning potential by booking any flights, hotels, car rentals, activities and cruises through the portal.
Redeeming Chase Ultimate Rewards With the Ink Premier Card
It’s important to know that Ultimate Rewards earned with the Ink Premier are not the same as other Ultimate Rewards points as they can not be transferred to travel partners. That doesn’t mean they have no value, though. Here’s what you can do with points earned with the Ink Premier.
Chase Ultimate Rewards Travel Portal
Chase’s travel booking site, the Ultimate Rewards portal, allows Ink Premier cardholders to book airlines, hotels and other travel online. Because Chase pays for cardholder reservations in cash, you can often still earn miles with the loyalty programs of the airlines flown. However, you may not earn points or status benefits with hotel accommodations booked through the Chase Travel Portal as it’s considered a third-party booking agency.
Cash Back
Cash-back redemptions with Chase Ultimate Rewards are redeemed as a statement credit or deposited into an eligible bank account. There is no minimum redemption amount when it comes to cash-back redemptions with the Ink Business Premier card.
Gift Cards, Purchases, Other Redemptions and Expiration
Other redemption options exist, though because redemption rates vary, it’s rarely the most valuable option to redeem points for options other than travel or cash back. Shop With Points specifically is generally viewed as a lesser use of points, since 100 points are only worth $0.80 when used at checkout.
Points do not expire so long as an account remains open, but points may be lost if account status changes or under some conditions such as a failure to pay.
Extra Benefits
Though not strictly classified as rewards, it’s worth noting taking full advantage of the Ink Premier’s perks and benefits may be a worthwhile reward as well. The card includes a long list of benefits worth exploring, since many may save significant money for your business:

No foreign transaction fees
Trip cancellation/interruption insurance
Trip delay reimbursement
Baggage delay insurance
Auto rental collision damage waiver
Travel and emergency services
Roadside dispatch
Cell phone protection
Zero liability protection
Purchase protection
Extended warranty protection
No-extra charge employee cards

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Bottom Line
Those who apply for the Ink Business Premier are signing up for serious reward potential, but key choices in reward earning and reward redemption can make a real difference in whether or not the rewards provide any meaningful value. The card won’t be for every business with its $195 annual fee and high minimum spending requirement as a part of its welcome bonus, but the rewards rate offered is excellent and the extra benefits add even more value.