Ink Business Premier
Chase
Ink Business Premier
Offer Strength
Above average$200 above typical value
Show breakdown
Estimated bonus value: ~$1,000
Base score: 50
Current $1,000 vs typical $800
Net value after annual fee: ~$805
Estimate based on our value hints; not financial advice.
Annual Fee
$195/yr
Credit Score
Good credit recommended (670+)
Ink Business Premier
Welcome Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Purchases of $5,000+
2.5% cash back
All other purchases
2% cash back
Key benefits
$1,000 cash back bonus
After $10,000 spend in 3 months.
2.5% on large purchases
2.5% cash back on purchases of $5,000 or more.
2% on all other purchases
Unlimited 2% cash back on all other business purchases.
Pay in Full + Flex for Business
Pay in full or carry a balance with interest on eligible purchases.
Perks
Employee cards at no additional cost
Set spending limits and earn rewards faster.
Fraud + purchase protection
Includes protections and account alerts.
Good fit for
About this card
The Chase Ink Business Premier is a business cash back card with a $195 annual fee. New cardholders can earn 1,000 cash after spending $10,000 in 90 days.
Best for
small business owners
Key considerations
The $195 annual fee requires moderate use to justify. Subject to Chase 5/24 rule — plan application timing.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Card analysis
Offer analysis
The current offer on the Ink Business Premier awards 1,000 cash after spending $10,000 within 90 days of account opening.
Annual fee value
This card carries a $195 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $805 in net value after the annual fee.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the ink product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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