Getting the Most Out of the Ink Business Premier

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Last updated on August 23rd, 2023

The Chase Ink Business Premier is a popular rewards credit card for businesses looking to stretch their spending power while earning lucrative Ultimate Rewards with every purchase.  Recently, Chase hosted an industry event to let influential industry disruptors to showcase how business cards, like Ink Business Premier, can help fuel business growth.

Chase Ink Business Premier Event Highlights Benefits of Business Credit Cards

The Chase Ink Business Premier® credit card is an impressive business rewards card for any company that prefers to pay in full but still want access to impressive cash back rewards,  employee cards for no additional fee, and the protections, personalized alerts, and business management tools  they expect from a Chase business credit card.

Good American was one of several brands highlighted at Chase’s Ink Business Premier event earlier this month. The company, co-founded by British businesswoman, entrepreneur, and fashion designer, Emma Grede has been a success right from the start, with business credit cards playing an integral role in providing her brand the flexibility it needed. And since launch Good American has continued to climb, with an 80% increase in sales year-over-year.

Grede was the host of the recent Chase Ink Business Premier event in New York City, highlighting the benefits of the benefits of business credit cards, such as Chase Ink Business Premier. Joining the British businesswoman on the panel were Wombi Rose of Lovepop, Pernell Cezar of BLK and Bold, and Kristin Cavallari of Uncommon James – all trendsetters and business leaders who get the most out of their businesses thanks to business credit.

Here are some images from the event:

Getting the Most Out of the Chase Ink Business Premier® Card

So, how can you master your Chase Ink Business Premier credit card and take your business to the next level? The Ink business cards have a slew of impressive protections, rewards, and other features designed to make life easier for you, your employees, and your accountants.  Here are some of the best features to keep an eye out for:

Purchase Protection

When you think of a business card and what makes it great, you’ll probably conjure up images of massive reward points, dizzying welcome bonuses, and airport lounge access. But that’s not the case with the Ink business credit cards from Chase.

Chase business credit cards offer purchase protection, with the Ink Business Premier® credit card covering eligible new purchases against damage or theft for up to 120 days, with a maximum coverage of $10,000 per claim and $50,000 per account. This benefit provides peace of mind when making business-related purchases and ensures both you and your employees are protected against unforeseen events.

Not sure what’s covered under credit card purchase protection? Here’s a helpful quick guide to commonly asked questions about purchase protection:

Purchase protection questions Answers
What’s covered? Any eligible purchases that are stolen, or accidentally damaged due to smoke, fire, water, steam, or other act of vandalism.
What’s not covered? Any perishable items, consumables, and other select items aren’t allowed; Items damaged by USPS might not be covered; Leased or rented items are also ineligible for purchase protection.
How much is each purchase covered for? Coverage typically ranges from $500 per item (on average) up to $5,000+ per item for elite cards.
Are there annual limits? Annual coverage limits of $50,000 per account, per year are typical.
How long am I protected? Purchase protection typically ranges from 90 days from the date of purchase to 120 days, depending on your card provider.

Other Protections

Business credit cards are an excellent way to keep your company finances safe, thanks to things like purchase protection, chargebacks, and $0 Fraud Liability. But cards like the Ink Business Premier provide far more than these essential benefits:

Travel Benefits

The Ink Business Premier® offers numerous travel benefits, including trip cancellation/interruption insurance, auto rental collision damage waiver, and roadside dispatch services, among others. These benefits can save you money and aid when traveling for business purposes, offering peace of mind during your journeys.

Cell Phone Protection

When you pay your monthly cell phone bill with the Chase Ink Business Premier® credit card, you receive up to $600 per claim in cell phone protection against theft or damage, with a maximum of three claims per year. This valuable feature protects both your personal and business cell phones, reducing the financial burden associated with replacing or repairing them.

Visa Signature® Business Protections

As a Visa Signature® Business cardholder, you gain access to a range of benefits, including exclusive discounts and offers on travel, dining, and entertainment. You also receive access to Visa’s business management tools, designed to help you streamline your operations and gain insights into your business’s financial health. Here’s a full list of all the Visa Signature business benefits you can anticipate:

Zero Fraud Liability Roadside Dispatch Cardholder Inquiry Services Lost/Stolen Card Reporting Emergency Card Replacement
Auto Rental Collison Damage Waiver Travel and Emergency Assistance Services Purchase and Extended Protection Lost Luggage Reimbursement

Chase Mobile App

Getting the most out of your Ink business card also requires downloading the latest version of the Chase Mobile® banking app. The Chase Ink app can help you

Set spending limits The Chase Mobile banking app lets businesses set caps on specific on cards to prevent overuse or misuse.
Organize receipts The mobile app provides a streamlined way of generating expense reports and bookkeeping, with purchases automatically recorded in the app.
Label purchases The Chase mobile app allows companies to tag purchases and sync with its account to create dynamic spending reports.

Complimentary Employee Cards

Speaking of employee cards – Chase Ink gives you the power to streamline business expenses through complimentary employee cards. As a business owner, you can request additional employee cards at no extra cost, allowing you to easily manage and track expenses while empowering your employees to make purchases on behalf of your business.

Don’t Forget the Rewards!

If business security and protections are the fluffy yellow cake of this business credit card, the rewards are the icing on the cake. With the Chase Ink Business Premier® credit card, you earn cash back for every dollar spent on eligible purchases.

The Premier-version of the Chase Ink business credit cards offers a huge amount of cash back on select purchases – 2.5%! Earn a total of 2.5% cash back on every purchase of $5,000 or more. That’s $250 on a purchase of $10,000 when redeemed. Plus. earn an impressive, unlimited 2% cash back on all other business purchases.

There’s also a generous welcome offer: Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first three months from account opening. Your business rewards are redeemable for cash back, gift cards, travel and more through Chase Ultimate Rewards.

There’s an Ink Business Card for Every Business

Not sure if the pay in full Chase Ink Business Premier Card is right for your small business? Here’s a quick breakdown of all of Chase’s other Ink business credit cards:

Ink Business Cash® Ink Business Unlimited® Ink Business Preferred®
3X on travel, shipping, internet, cable and phone services and advertising purchases made with social media sites and search engines on the first $150,000 in combined purchases each account anniversary. Earn unlimited 1.5% cash back on all purchases Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
25% more points value through Ultimate Rewards 0% APR for 12 months on purchases Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
No annual fee No annual fee No annual fee

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Business Credit Cards

Featured image by Chase

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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