Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
March 13, 2025: The Ink Business Premier® Credit Card has an absolutely massive welcome offer for new small business cardmembers. But the $1,000 you can earn with a new cardmember offer is only the start—the card is actually a decent card for small businesses who make large purchases.
Here’s what you need to know about the Ink Business Premier® Credit Card new cardmember sign-up bonus.
Best bonus available: Earn $1,000 cash back
Annual fee: annual_fees
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as points which can be redeemed for cash back. These points cannot be transferred to other Chase cards or travel transfer partners.
My take: Big bonus. Great card for small businesses that make large purchases.
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.
In-branch Ink Business Premier® Credit Card offer: Same as online offer
On January 13, 2025, we verified that the bonus offered in-branch on the Ink Business Premier® Credit Card matches the online offer: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
In-branch welcome offers change from time to time and this information is accurate as of our last check. The in-branch offer may be different or may no longer be available.
Ink Business Premier® Credit Card Referral offer: $1,000 bonus cash back after spending $10,000
Chase allows Ink cardmembers to refer others to Chase Ink cards and earn points when someone they refer gets approved for a card. When we last checked on November 18, 2024, the referral offer for the Ink Business Premier® Credit Card was the same bonus as Chase was offering online through other channels and in-branch.
But even though you won’t get any more points for the sign-up bonus, applying through a referral link can be a great way to help out a fellow small business owner. When you apply through someone’s referral link they can earn points if you are approved.
Are you eligible to earn the Ink Business Premier® Credit Card sign-up bonus?
Chase does not publish any restrictions in its terms and conditions for the Ink Business Premier® Credit Card welcome bonus, so if you can get approved for the card, you should be eligible to earn the bonus.
However, Chase is known to deny applications of people who open a lot of credit cards. Generally, it is believed that Chase will deny any card applications if your credit report shows that you’ve opened 5 or more cards in the previous 24 months. This rule of thumb is known in the miles and points community as the Chase 5/24 rule. If your credit report shows that you’ve opened a lot of accounts recently, Chase may not approve you for a new account.
About the Chase Ink Business Premier® Credit Card
Here’s a quick summary of the rewards and benefits of the Ink Business Premier® Credit Card. For a more in-depth view of the card’s rewards and benefits check out our guide to the Ink Business Premier.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
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.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as points which can be redeemed for cash back. These points cannot be transferred to other Chase cards or travel transfer partners.
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.
Bottom line: Massive bonus on a great card
The Ink Business Premier® Credit Card offers a giant bonus on a small business credit card offering at least 2% cash back on every purchase. For many businesses that make several $5,000+ purchases every year, the Ink Premier can be a great choice.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
