June 27, 2025: The Ink Business Premier® Credit Card has an absolutely massive welcome offer for new small business cardmembers. This is the standard welcome offer on this card.
Ink Business Premier® Credit Card Welcome Offer
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This bonus is awarded as cash back. Although branded as a a Chase Ink card, this card’s rewards cannot be moved to other Chase Ink cards.
Annual fee: $195
Our take: What we think of the welcome bonus
The bonus on the Ink Business Premier® Credit Card is one of the largest cash back welcome offers available on any credit card and the card can be an excellent choice for your small business.
Getting 2% cash back everywhere on a small business card is rare, and most small business cards offering 2% cash back charge some sort of annual fee. While the annual fee on the Ink Premier is higher than some other cards, you can easily make that back in rewards if your business spending patterns are a good match for this card.
If you frequently make purchases of $5,000 or more for your business, this card should be on your radar. The math works out such that you’ll earn more in marginal cash back if you make $40,000 worth of purchases than you’ll pay in the card’s annual fee.
Other offers that might be available
We want you to get the best offer, so here are some of the other offers that might be available on this card.
We don’t know of any other better offers on this card, including in-branch offers.
A few things to know before applying:
- Chase Ink cards don’t impact 5/24. Historically, Chase wouldn’t approve you for a new card if you had 5 or more new accounts on your personal credit report within the last 24 months. Chase Ink cards don’t report to your personal credit report (as long as you pay on time) and therefore won’t impact your 5/24 status.
- Chase Ink cards (kind of) are subject to 5/24 restrictions. While opening a Chase Ink card won’t count against your 5/24 status, Chase is unlikely to approve you if you have 5 or more cards opened and reporting to your personal credit report within the last 24 moths. However, this rule appears to be a bit more flexible for Ink cards than Chase’s other cards, according to some reports on Reddit and elsewhere.
- You likely can get a small business card. You probably have a business and are eligible to get a small business credit card. Even small businesses like selling things on eBay or hobbies you are trying to monetize count.
- Bonus eligibility. You should be eligible to earn this bonus if Chase approves you for the card. When we last read the terms, we saw no restrictions on earning the bonus if you’ve had the card before. Be sure to check the offer terms before applying.
About the Chase Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is a great choice for small business owners who make large purchases and want simple-to-use cash back rewards.
Ink Business Premier® Credit Card Welcome Offer
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This bonus is awarded as cash back. Although branded as a a Chase Ink card, this card’s rewards cannot be moved to other Chase Ink cards.
Annual fee: $195
Rewards
- 2.5% on large purchases of $5,000 or more.
- 2% on all other business purchases.
Rewards are earned cash back.
Benefits
Consumer insurance benefits
- Purchase protection.
- Extended warranty protection.
- Cell phone protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Rates and Fees
- Annual fee: $195
- Foreign transaction fee: None
