Our illustration in the card’s colours, not its design
Chase credit card
Ink Business Premier(R) Credit Card
- APR up · 17.74% to 17.99% · Oct 2, 2026
$195 a year. $1,000 cash back after you spend $10,000 in 3 months. Purchase APR 17.99–28.74%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn $1,000 bonus cash back”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“$195 †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“APR Flex for Business variable APR: 17.99%–28.74%. †”
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
$1,000 cash
After you spend $10,000 on purchases in your first 3 months.
- Spending it takes
- $3,333 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Earn the bonus after spending $10,000 in the first 3 months from account opening. Allow 6 to 8 weeks for the bonus to post. The account must be open and not in default at fulfillment. Exclusions apply, including balance transfers, cash advances, cash-like transactions, fees, and other non-purchase transactions.
- Larger than about 95% of the 48 other cash bonuses we track.
Who can get it: If you’ve ever had this card, you can’t get the bonus.
“The new cardmember bonus may not be available to you if you have ever had this card.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $45 | $45 | |
| Typical spender | $405 | $405 | |
| Heavy spender | $2,125 | $1,125 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2.5x Earn a total of 2.5% cash back on every purchase of $5,000 or more; welcome bonus needs $10,000 in 3 months.
$45a year
The same in the first year and after.
Rewards and credits$240
You keep $45−$195 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2.5x Earn a total of 2.5% cash back on every purchase of $5,000 or more; welcome bonus needs $10,000 in 3 months.
$405a year
The same in the first year and after.
Rewards and credits$600
You keep $405−$195 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2.5x Earn a total of 2.5% cash back on every purchase of $5,000 or more; welcome bonus needs $10,000 in 3 months.
$1,125a year
$2,125 the first year, with the welcome bonus.
Rewards and credits$1,320
You keep $1,125−$195 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2.5x Earn a total of 2.5% cash back on every purchase of $5,000 or more.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
Other cash back cards with fees up to $300
- Capital One Spark 2% Cash PlusCapital One · $150 a year+$45 a year
- Disney Inspire Card from ChaseChase · $149 a year−$100 a year
- Graphite Business Cash UnlimitedAmerican Express · $295 a year−$100 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Ink Business Premier rewards program
How you earn
- 5%
- Earn unlimited 5% cash back on travel purchased through Chase TravelEarn 5% total cash back on Lyft rides (through September 30, 2027)
- 2.5%
- Earn a total of 2.5% cash back on every purchase of $5,000 or more
- 2%
- Everything else
Cash back, as a share of each purchase.
Changes
- Oct 2, 2026 APR 17.74% to 17.99%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “$195 †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “APR Flex for Business variable APR: 17.99%–28.74%. †” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve ever had this card, you can’t get the bonus.