• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.

The Ink Business Premier is a special case, meaning this card does not allow transfers to certain Chase partners (i.e. Southwest, World of Hyatt, etc.). You can book travel through the Chase portal. But, this card is specifically designed for folks wanting to maximize cash back through business expenses.

Keep in mind — for this card specifically, your “cash-back” cannot be pooled with other cards in the Chase network. That being said, we still love Chase Ultimate Rewards and want you to use them when you can (even if that means using another card).

Brendan owns quite a few Ink cards (for good reasons, it seems). Want to learn how to make a similar redemption? Check out this video 👇

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1. The Small Business Owner

The Ink Business Premier is ideal for small business owners looking to maximize rewards on their big expenses. Imagine earning 2.5% cash back on every purchase over $5,000 and 1.5% on everything else. Whether you’re buying equipment, paying large bills, or managing other major business expenses, this card has you covered. With no foreign transaction fees and a suite of business management tools, it’s like having a financial partner that helps you earn more while handling your spending smartly.

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2. The Side Hustler

For those managing a side hustle, the Ink Business Premier is a great tool for boosting your rewards. Whether you’re freelancing, running an Etsy shop, or juggling a small online business, this card lets you earn 2.5% cash back on big purchases over $5,000 and 1.5% on other expenses. It’s perfect for turning those significant side hustle expenses into valuable rewards. With its solid cash-back structure and no foreign transaction fees, it’s an excellent way to make the most of your side gig’s spending.

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3. The Chase Enthusiast

If you’re already a Chase fan with cards like the Chase Sapphire Preferred® Card, adding the Ink Business Premier is a smart move. Why? It lets you maximize your rewards across different spending categories. The Ink Business Premier offers 2.5% cash back on purchases over $5,000 and 1.5% on everything else, while your Sapphire Preferred card earns valuable points on travel and dining. Combining these cards means you can pool your cash back and Ultimate Rewards points for even bigger travel redemptions or other perks. It’s a powerful way to supercharge your rewards and get the most out of your Chase cards.

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 700, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Ink Business Premier, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

The recommended credit score for the Ink Business Premier is 670-850 (Good — Excellent). But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line (link), and be granted the coveted Ink Business Premier.