{"id":197582,"date":"2025-10-06T20:00:25","date_gmt":"2025-10-06T20:00:25","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/10\/06\/chase-ink-business-premier-card-review-full-details-the-points-guy-2\/"},"modified":"2025-10-06T20:00:25","modified_gmt":"2025-10-06T20:00:25","slug":"chase-ink-business-premier-card-review-full-details-the-points-guy-2","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/10\/06\/chase-ink-business-premier-card-review-full-details-the-points-guy-2\/","title":{"rendered":"Chase Ink Business Premier card review: Full details &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div><a id=\"chase-ink-business-premier-credit-card-overview\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Chase Ink Business Premier Credit Card overview<\/h2>\n<p>The Chase Ink Business Premier\u00ae Credit Card is geared toward business owners who want to earn cash-back rewards on their day-to-day purchases. Its earning rates are decent, but the $195 annual fee is high for what you get from this product since you won&#8217;t be able to transfer your rewards to Chase&#8217;s travel partners for maximum value. <strong>Card rating*:<\/strong> \u2b50\u2b50\u00bd<\/p>\n<h6><em>* <a href=\"https:\/\/thepointsguy.com\/review-methodology\/\" target=\"_blank\" rel=\"noopener\">Card rating<\/a> is based on the opinion of TPG&#8217;s editors and is not influenced by the card issuer.<\/em><\/h6>\n<hr class=\"jsx-4213731811\"\/>\n<p>Chase has long offered &#8220;cash-back&#8221; credit cards that actually earn <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards\/\" rel=\"noopener\" target=\"_blank\">Chase Ultimate Rewards<\/a> points.<\/p>\n<p>That means if you have another Chase card that earns transferable Ultimate Rewards points, such as the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/22125056?name=Chase Sapphire Preferred\u00ae Card PID&amp;pid=22125056?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/tc\/22125056?pid=22125056&amp;name=Chase%20Sapphire%20Preferred%C2%AE%20Card%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) or the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/221211836?name=Chase Sapphire Reserve PID&amp;pid=221211836?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Sapphire Reserve\u00ae<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/tc\/221211836?pid=221211836&amp;name=Chase%20Sapphire%20Reserve%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>), you could transfer your cash back to an Ultimate Rewards-earning card and then use the converted points with Chase&#8217;s <a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/chase-ultimate-rewards-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">various airline and hotel partners<\/a>.<\/p>\n<p>The Chase Ink Business Premier, however, is a different story since it earns cash back that can&#8217;t be transferred to partners, regardless of what other Chase cards you have.<\/p>\n<p>We recommend you have a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-credit-scores-work\/\" target=\"_blank\" rel=\"noopener\">credit score<\/a> of at least 670 to increase your chances of approval for this card. You can also apply for the card using an employer identification number, which is tied to your business credit score.<\/p>\n<p>The Ink Business Premier might be worth considering for some businesses looking to save money on large expenses. Here&#8217;s what you need to know.<\/p>\n<p><em>The information for the Ink Business Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><a id=\"chase-ink-business-premier-pros-and-cons\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Chase Ink Business Premier pros and cons<\/h2>\n<div class=\"jsx-4199963584 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-4199963584\">\n<table class=\"jsx-4199963584\">\n<thead class=\"jsx-4199963584\">\n<tr class=\"jsx-4199963584\">\n<th class=\"jsx-4199963584\"><strong>Pros<\/strong><\/th>\n<th class=\"jsx-4199963584\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-4199963584\">\n<tr class=\"jsx-4199963584\">\n<td>\n<ul>\n<li>Decent earning rate on all purchases outside of bonus categories<\/li>\n<li>Employee cards at no additional cost<\/li>\n<li>Travel and purchase protections<\/li>\n<li>Cellphone protection<\/li>\n<li>No foreign transaction fees<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Annual fee<\/li>\n<li>Requires a higher spending amount for higher earning rates<\/li>\n<li>Can&#8217;t transfer points to Chase&#8217;s transfer partners or to another Ultimate Rewards-earning account<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"chase-ink-business-premier-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Chase Ink Business Premier welcome offer<\/h2>\n<p>New Ink Business Premier cardholders can earn $1,000 in bonus cash back after spending $10,000 on purchases within the first three months of account opening.<\/p>\n<div class=\"EmailSignUp_container__qYzYT tw-border tw-border-gray-2\"><picture class=\"tw-flex tw-items-center tw-justify-center tw-opacity-0\"><source media=\"(max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-881693933 newsletter-form\">\n<div class=\"jsx-881693933 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN   \">\n<p class=\"tw-text-xs-regular !tw-text-gray-5 hover:!tw-text-gray-5 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/terms-of-use\/\" target=\"_blank\" rel=\"noopener\">Terms of Use<\/a> <!-- -->and acknowledge the data practices in our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<p>That easily offsets the $195 annual fee for your first year, and it&#8217;s a decent welcome offer compared to similar card options. This is the standard welcome offer we typically see on this card. Note that you&#8217;ll receive the welcome bonus as 100,000 points, which can be redeemed as $1,000 cash back.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"a hand holds a credit card\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2021\/12\/Chase-Ink-Business-Premier_2022_CCHH_2.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>However, plenty of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener\" target=\"_blank\">travel rewards credit cards<\/a> offer welcome bonuses of higher value, both for business and personal use. And while this is a large bonus for a business-focused cash-back card, most cash-back business cards come with lower annual fees.<\/p>\n<p>Plus, the spending requirement for this card&#8217;s welcome bonus is quite high, so that&#8217;s something else to keep in mind.<\/p>\n<p>Before applying, make sure you meet all of Chase&#8217;s <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-application-restrictions\/\" target=\"_blank\" rel=\"noopener\">application requirements<\/a>, including being under the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">5\/24 rule<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/news\/cards-with-100k-point-bonuses\/\" rel=\"noopener\" target=\"_blank\">15 cards currently offering welcome bonuses of 100,000 points or more<\/a><\/strong><\/p>\n<p><a id=\"chase-ink-business-premier-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Chase Ink Business Premier benefits<\/h2>\n<p>Aside from certain protections, this card lacks travel-specific perks. However, it does have a few benefits that can bring business owners value and peace of mind. Some of these perks are similar to what other Chase Ink cards offer:<\/p>\n<ul>\n<li><strong>Employee cards<\/strong>: Similar to other Ink cards, employee cards don&#8217;t cost the primary cardholder any additional fees.<\/li>\n<li><strong><a href=\"https:\/\/thepointsguy.com\/credit-cards\/phone-protection\/\" target=\"_blank\" rel=\"noopener\">Cellphone protection<\/a><\/strong>: Coverage extends up to $1,000 per claim for up to three claims per year with a $100 deductible per claim.<\/li>\n<li><strong><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-purchase-protection\/\" target=\"_blank\" rel=\"noopener\">Purchase protection<\/a><\/strong>: This benefit covers new purchases for 120 days against damage or theft (up to $10,000 per item and up to $50,000 per account).<\/li>\n<li><a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-trip-cancellation-interruption-protection\/\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Trip cancellation\/interruption insurance<\/strong><\/a>: If your trip gets canceled or cut short because you get sick or due to severe weather or other covered situations, you can get reimbursed up to $5,000 per covered traveler (up to $10,000 total per trip) for prepaid, non-refundable travel expenses (this includes things like tours and hotel reservations).<\/li>\n<li><strong><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-for-extended-warranty\/\" rel=\"noopener noreferrer\" target=\"_blank\">Extended warranty protection<\/a><\/strong>: Purchases with a three-year or less U.S. manufacturer&#8217;s warranty will include an additional year of coverage.<\/li>\n<li><a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-rental-car-coverage\/\" rel=\"noopener\" target=\"_blank\"><strong>Auto rental collision damage waiver<\/strong><\/a>: Enjoy primary coverage that protects against theft and damage in the U.S. and most countries around the world. You&#8217;ll get up to $60,000 in reimbursement for most vehicles with a manufacturer&#8217;s suggested retail price of $125,000 or less.<\/li>\n<\/ul>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Woman picking up her phone off the ground\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/05\/Person-picking-up-broken-phone-from-ground_sasun-bughdaryan.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">SASUN BUGHDARYAN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Considering you can get cellphone protection and similar benefits with the Ink Business Preferred\u00ae Credit Card for a much lower $95 annual fee, the benefits on this card aren&#8217;t especially exciting compared to the competition.<\/p>\n<p>If you&#8217;re a business owner just looking for cash back on purchases, benefits may not matter as much to you. But for that higher $195 annual fee, it&#8217;s fair to expect more valuable perks like access to transfer partners or some statement credits, like one for <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-get-tsa-precheck-global-entry-clear-free\/\" rel=\"noopener\" target=\"_blank\">TSA PreCheck or Global Entry<\/a>.<\/p>\n<p><em>The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n<p><a id=\"earning-rewards-on-the-chase-ink-business-premier\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning rewards on the Chase Ink Business Premier<\/h2>\n<p>To be clear, the Chase Ink Business Premier does not earn transferable Chase Ultimate Rewards points. Instead, you&#8217;ll earn:<\/p>\n<ul>\n<li>5% cash back on travel booked through Chase Travel\u2120<\/li>\n<li>5% cash back on Lyft purchases (through Sept. 2027)<\/li>\n<li>2.5% cash back on purchases of $5,000 or more<\/li>\n<li>2% cash back on all other purchases<\/li>\n<\/ul>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"business woman with luggage on phone in hotel lobby\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2024\/04\/GettyImages-damircudic-woman-phone-hotel.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">DAMIRCUDIC\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Unlimited 2% cash back on purchases isn&#8217;t incredibly lucrative, but it is a solid return, considering you don&#8217;t have to worry about bonus categories or spending caps. Regardless of your business spending habits, you know you&#8217;re earning a decent return on your purchases.<\/p>\n<p>Plus, 2.5% cash back on purchases of $5,000 or more is a nice perk for businesses that tend to have larger expenses, while that 5% category is great for businesses that anticipate booking lots of trips via Chase Travel.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-large-purchases\/\" rel=\"noopener\" target=\"_blank\">The top 7 credit cards to maximize large purchases<\/a><\/strong><\/p>\n<p><a id=\"redeeming-rewards-on-the-chase-ink-business-premier\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming rewards on the Chase Ink Business Premier<\/h2>\n<p>Cash back earned on the Ink Business Premier gets tracked as points; each dollar equates to 100 points, so when it comes to redeeming your rewards, you&#8217;ll notice that you redeem points.<\/p>\n<p>Cardholders can redeem their points for cash, gift cards, travel and more. Your points are worth 1 cent each toward any of these redemption options.<\/p>\n<p>Unlike some other Chase cards that earn cash back, you won&#8217;t be able to transfer the rewards you earn with the Chase Ink Business Premier into your other Chase accounts to take advantage of Chase&#8217;s airline and hotel transfer partners.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Woman at laptop with phone\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;width:100%;height:auto\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">HALFPOINT IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>That&#8217;s a major downside to the Ink Business Premier. Based on this reason alone, we find it hard to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/small-business-credit-card-strategy\/\" target=\"_blank\" rel=\"noopener\">recommend this card<\/a>, as your options for maximizing your hard-earned rewards are extremely limited.<\/p>\n<p>For instance, some of Chase&#8217;s &#8220;cash-back&#8221; credit cards, like the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/6218?name=Ink Business Unlimited\u00ae Credit Card PID&amp;pid=6218?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Ink Business Unlimited\u00ae Credit Card<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/tc\/6218?pid=6218&amp;name=Ink%20Business%20Unlimited%C2%AE%20Credit%20Card%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) and the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/7538?name=Chase Freedom Flex\u00ae PID&amp;pid=7538?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Freedom Flex\u00ae<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/tc\/7538?pid=7538&amp;name=Chase%20Freedom%20Flex%C2%AE%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>), allow you to combine your rewards from them with your higher-tier cards, including the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/221211836?name=Chase Sapphire Reserve PID&amp;pid=221211836?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Sapphire Reserve<\/a><\/span> and <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/221211974?name=Ink Business Preferred\u00ae Credit Card PID&amp;pid=221211974?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Ink Business Preferred<\/a><\/span>.<\/p>\n<p>Then, you can transfer those points to Chase&#8217;s transfer partners to get more than 1 cent per point (if not more) in value.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/redeeming-chase-ultimate-rewards-maximum-value\/\" rel=\"noopener\" target=\"_blank\">How to redeem Chase Ultimate Rewards points for maximum value<\/a><\/strong><\/p>\n<p><a id=\"which-cards-compete-with-the-chase-ink-business-premier\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Which cards compete with the Chase Ink Business Premier?<\/h2>\n<p>Overall, given what we know Chase is capable of, the Ink Business Premier is pretty lackluster. Unless you&#8217;re a high-spending business owner who doesn&#8217;t care about flexible travel rewards, there are other options out there that may better suit your needs.<\/p>\n<ul>\n<li><strong>If you want to earn transferable Ultimate Rewards points<\/strong>: The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/10965?name=Chase Sapphire Reserve for Business\u2120 PID&amp;pid=10965?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Chase Sapphire Reserve for Business\u2120<\/a><\/span> (see <a href=\"https:\/\/thepointsguy.com\/tc\/10965?pid=10965&amp;name=Chase%20Sapphire%20Reserve%20for%20Business%E2%84%A0%20PID&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>) earns 4 points per dollar spent on flights and hotels booked directly, 3 points per dollar spent on social media and search engine advertising and 1 point per dollar spent on all other purchases. Plus, this card earns Ultimate Rewards, so you don&#8217;t have to worry about converting cash back from another Chase card to points. To learn more, read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-sapphire-reserve-for-business-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Sapphire Reserve for Business<\/a>.<\/li>\n<li>I<strong>f you prefer American Express<\/strong>: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/oc\/7760?name=The Blue Business\u00ae Plus Credit Card from American Express&amp;pid=7760?tid=post\" rel=\"noreferrer nofollow noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The Blue Business\u00ae Plus Credit Card from American Express<\/a><\/span> earns 2 <a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/ultimate-guide-amex-membership-rewards\/\" rel=\"noopener\" target=\"_blank\">Membership Rewards<\/a> points per dollar spent on every purchase (on the first $50,000 spent each calendar year, then 1 point per dollar spent after that). Additionally, you can transfer points to Amex&#8217;s <a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/membership-rewards-partner-guide\/\" rel=\"noopener\" target=\"_blank\">airline and hotel partners<\/a>. Plus, this card doesn&#8217;t have an annual fee (see <a href=\"https:\/\/thepointsguy.com\/tc\/7760?pid=7760&amp;name=The%20Blue%20Business%C2%AE%20Plus%20Credit%20Card%20from%20American%20Express&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>), which is nice. To learn more, read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/blue-business-plus-amex-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Blue Business Plus<\/a>.<\/li>\n<li><strong>If you prefer Capital One<\/strong>: The <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" target=\"_blank\" rel=\"noopener\">Capital One Spark Cash Plus<\/a> earns an unlimited 2% cash back on all purchases without any spending limits. You can also get your $150 annual fee refunded every year you spend $150,000 or more in a year. To learn more, read our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/capital-one-spark-cash-plus-review\/\" target=\"_blank\" rel=\"noopener\">full review of the Capital One Spark Cash Plus<\/a>.<\/li>\n<\/ul>\n<p>For additional options, check out our picks for the best <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" target=\"_blank\" rel=\"noopener\">business cards<\/a> and the best <a href=\"https:\/\/thepointsguy.com\/credit-cards\/chase\/\" target=\"_blank\" rel=\"noopener\">Chase cards<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-showdown-chase-ink-business-preferred-vs-ink-business-premier\/\" target=\"_blank\" rel=\"noopener\">Chase Ink Business Preferred vs. Ink Business Premier: Which card should take a spot in your wallet?<\/a><\/strong><\/p>\n<p><a id=\"is-the-chase-ink-business-premier-worth-it\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Is the Chase Ink Business Premier worth it?<\/h2>\n<p>The lack of ability to transfer your points to Chase&#8217;s transfer partners or other Chase cards makes the Ink Business Premier a poor choice for those looking to maximize rewards. If you&#8217;re a small-business owner hoping to earn points to put toward award travel, we recommend looking into other cards.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Some business owners who have high expenses and make large purchases regularly should be able to get solid value out of this card. Yet, its lack of redemption flexibility for award travel, limited benefits and a comparatively high annual fee are all likely to strike against it for many small-business owners.<\/p>\n<p>The Ink Business Premier simply doesn&#8217;t quite hold up to the competition. As a small-business owner or someone with a side hustle who wants to earn rewards, you&#8217;ll likely want to look elsewhere to meet your business credit card needs.<\/p>\n<p><em>For rates and fees of the Amex Blue Business Plus card, click <a href=\"https:\/\/thepointsguy.com\/tc\/7760?pid=7760&amp;name=The%20Blue%20Business%C2%AE%20Plus%20Credit%20Card%20from%20American%20Express&amp;data-testid=ratesFees\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/chase-ink-business-premier-card-review\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chase Ink Business Premier Credit Card overview The Chase Ink Business Premier\u00ae Credit Card is geared toward business owners who want to earn cash-back rewards on their day-to-day purchases. Its earning rates are decent, but the $195 annual fee is high for what you get from this product since you won&#8217;t be able to transfer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":197583,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-197582","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/197582","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=197582"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/197582\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/197583"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=197582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=197582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=197582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}