Ink Business Premier® Credit Card

Chase Visa Premium Pending

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0

Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ink-business-premier

Issuer: Chase

Card Name: Ink Business Premier® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:24

Last Scraped: Jan 15, 2026 16:25

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Cash Back (Ultimate Rewards)

Base Rate: 2x

Bonus Rate: 2.5x

Categories: 2.5x on individual purchases of $5,000 or more; 2x on all other business purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as account is active and in good standing

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $85

Sign-Up Bonus
PENDING

$1,000

Cash Back

Requirement: Spend $10,000 in 90 days

Timing: Bonus cash back typically posts to your account within 1-2 billing cycles after the spending requirement is met. While Chase states to allow 6-8 weeks, it often appears sooner.

Fee Structure
PENDING
Annual Fee: $195.00
Year 1 Waived: No
Effective Annual Fee: $195.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $15 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
720 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Chase Ink Business Premier card in 2026 will continue to be subject to Chase's established application rules. The primary rule is the '5/24 Rule,' meaning applicants will generally be denied if they have opened 5 or more personal or business credit cards from any issuer in the past 24 months. Applicants must also operate a legitimate business (e.g., sole proprietorship, LLC, corporation) and meet Chase's creditworthiness criteria. A Social Security Number (SSN) can be used for sole proprietorships, or an Employer Identification Number (EIN) for other business structures. Furthermore, Chase typically enforces a '1/48 rule' for Ink card bonuses, meaning you are generally ineligible for the sign-up bonus if you have received a bonus for the Ink Business Premier card within the last 48 months. Chase also has unwritten rules such as not approving more than two Chase cards (personal or business) within a 30-day period.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), excessive credit cycling, high cumulative credit limit across all Chase cards, rapid application for multiple Chase cards, suspicious spending patterns inconsistent with stated business activity, frequent large cash equivalent purchases, repeated late payments, or defaulting on other Chase products.

Cliff Effect Rules: For Ink cards, the primary 'cliff effect' is the 1/48 rule, which prevents earning a bonus on the same specific Ink card (e.g., Ink Business Premier) if a bonus was received for that card within the past 48 months. This is distinct from the Sapphire family rule where you can only hold one Sapphire card at a time.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
High cash back rates on large business purchases, flexible rewards, no foreign transaction fees, premium travel and purchase protections.

Top Negative:
High annual fee, not ideal for small businesses or those with lower spending, rewards structure can be complex for some.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • American Express Business Platinum Card
  • Capital One Spark Cash Plus
  • Chase Ink Business Preferred Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $3,250.00

Approval Probability: 45.0%

Version Control
PENDING

Version ID: v1.0