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Chase · chargeBusiness
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Is the Ink Business Premier worth keeping when the fee hits?
Welcome offer — $1,000 bonus cash back after $10,000 spend in 3 months Inferred by source
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 5× | Travel via Chase Travel Inferred by source |
|---|---|
| 2.5× | Purchases of $5,000+ Inferred by source |
| 2× | Everything else Inferred by source |
No lounge access.
| Rental car CDW | Primary CDW on business rentals Inferred by source |
|---|---|
| Trip cancellation | Up to $5,000/person Inferred by source |
Using Ink Business Premier at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Ink Business Premier® Credit Card has a $195 annual fee.
Using its non-spend-gated credits fully, the Ink Business Premier® Credit Card returns about $0 in value against its $195 annual fee — a net of −$195 per year. It only makes sense if you value its perks beyond the listed credits.
The Ink Business Premier® Credit Card earns 5% travel via Chase Travel, 2.5% on purchases of $5,000+, 2% on everything else.
No — the Ink Business Premier® Credit Card does not include airport lounge access.
No — the Ink Business Premier® Credit Card has no foreign transaction fee, so it's a good card to use abroad.
$1,000 bonus cash back after $10,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.