Verdict · Updated April 2026
Ink Business Premier Credit Card for Small Business Use
The Ink Business Premier Credit Card is workable for small business use but not the strongest fit — ranked #7 of 15 eligible cards. Several cards listed in alternatives outperform it for this specific use case.
Rank #7 of 1557th percentileWorkable but not optimal
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Ink Business Premier Credit Card
Chase · $195 annual fee
Chase's premium business card is built for companies with large expenses. The 2.5% back on purchases $5,000+ is the highest flat rate available for big-ticket spending. The $1,000 sign-up bonus is massive, though the $10K spend requirement is steep.
Full card review
Earn math — Small Business Use profile
Based on typical small business use spending of $33,600/year across the categories below.
Annual rewards
$672
Annual fee
$195
Net value
$477
Business categoriesHigh limitsEmployee cards freeNo 5/24 impact
Where the Ink Business Premier Credit Card wins for small business use
- Classified as a business card — does not count toward Chase 5/24
- Free employee cards let you earn on employee spend without extra accounts
Where it falls short
- Lacks strong business-category multipliers (office, advertising, shipping)
- No intro 0% APR and a high regular APR (29.49%) — carrying a balance is expensive
Top 3 alternatives for small business use
Cards that rank higher than or close to the Ink Business Premier Credit Card on our small business use scoring model.
How the Ink Business Premier Credit Card performs for other use cases
Frequently asked questions
Is the Ink Business Premier Credit Card a good card for small business use?⌄
The Ink Business Premier Credit Card is workable for small business use but not the strongest fit — ranked #7 of 15 eligible cards. Several cards listed in alternatives outperform it for this specific use case.
How much can I earn with the Ink Business Premier Credit Card on small business use spending?⌄
At the typical small business use spending profile of $33,600/year, this card earns approximately $672 in rewards — net $477 after the $195 annual fee.
What are better alternatives to the Ink Business Premier Credit Card for small business use?⌄
Our top 3 alternatives are Chase Ink Business Cash, Chase Ink Business Preferred, Bank of America Business Advantage Cash Rewards. Each ranks higher on our use-case scoring model for small business use.
What credit score do I need for the Ink Business Premier Credit Card?⌄
The Ink Business Premier Credit Card typically requires excellent credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Ink Business Premier Credit Card's annual fee worth it for this use case?⌄
The $195 annual fee breaks even when you earn $195 in rewards. At the typical small business use profile ($33,600/year), this card earns $672 — net positive after the fee.
Want the full card review?
See rewards, fees, and all perks of the Ink Business Premier Credit Card