Ink Business Premier® Credit Card

The Ink Business Premier is built for a specific kind of spender: the business owner who regularly makes big single purchases. Inventory orders, equipment, contractor payments, whatever it is, any purchase of $5,000 or more earns 2.5% cash back, uncapped. Everything smaller than that still earns a solid 2%. There's no bonus category gymnastics here, just a rate that gets better the bigger your purchase is.

One thing worth knowing before you apply: this is a charge card at heart, but it's got some flexibility built in. Chase splits your credit line into Pay in Full and Flex for Business, so your purchases are typically due in full each month, but if you need to carry a portion over with interest, you can. That's a nice safety valve for a business card in this fee range.

The catch, and it's an important one if you're already deep into Chase Ultimate Rewards: the cash back you earn here doesn't combine or transfer with your other Ultimate Rewards-earning cards. It's really its own thing, straight cash back only, no path to airline or hotel transfer partners. If you're chasing transferable points, the Ink Business Preferred or Cash are a better fit alongside this one.

On the 5/24 front, Chase will still check your 5/24 status when you apply, so you need to be under it to get approved. But once you're in, it doesn't report to your personal credit and won't count against future personal Chase applications. That makes it a smart pick for someone building a Chase card stack who wants big cash back without spending one of their precious 5/24 slots going forward.

The $1,000 bonus after $10,000 in spend within the first 3 months is the current standard offer on the Ink Business Premier and is in line with what we've generally seen for this card.