Ink Business Premier® Credit Card
Basic Information
Program ID: ink-business-premier
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:24
Last Scraped: 01/15/2026 16:25
Fee Structure
| Annual Fee: | $195.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $195.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $1,000.00
Spending Requirement: $10,000.00
Time Period: 90 days
Bonus 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.
Rewards Program
Reward Type: Cash Back (Ultimate Rewards)
Base Reward Rate: 2.00%
Bonus Reward Rate: 2.50%
Bonus Categories: 2.5x on individual purchases of $5,000 or more; 2x on all other business purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
Approval Criteria
Recommended FICO Range: 720 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 7
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
High cash back rates on large business purchases, flexible rewards, no foreign transaction fees, premium travel and purchase protections.
Top Negative Feedback:
High annual fee, not ideal for small businesses or those with lower spending, rewards structure can be complex for some.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 130 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 45.0%
Terms Version Control
Version ID: v1.0