What is the credit limit for the Chase Ink Business Premier credit card?

- What is the credit limit for the Chase Ink Business Premier credit card?
- Chase Ink Business Premier credit card overview
- Need higher limits? Consider the Ramp Business Credit Card as an alternative

What is the credit limit for the Chase Ink Business Premier credit card?
The Chase Ink Business Premier card typically starts with a credit limit of $5,000 to $10,000, but this can vary significantly based on your business's financial profile and creditworthiness. Chase conducts a comprehensive evaluation of both your personal and business finances, examining factors such as your personal credit score, business revenue, time in business, existing debt obligations, and payment history.
The upper credit limit on the Chase Ink Business Premier card can be substantial, potentially reaching $50,000 or more for well-established businesses with strong financials. As this is Chase's premium business card offering, it's designed to accommodate larger spending needs than their other business credit products.
Chase Ink Business Premier credit card overview
The Chase Ink Business Premier is a premium business credit card designed for established businesses with significant spending needs. It features a metal card design and operates on a pay-in-full model rather than a revolving credit line, making it similar to charge cards offered by other issuers.
The card comes with a higher annual fee of $195, reflecting its premium positioning and enhanced benefits. It offers business owners flexible spending power, robust travel and purchase protections, and access to Chase's renowned customer service and digital banking tools.
The Chase Ink Business Premier card offers a straightforward but valuable rewards structure focused on business spending. Here's what cardholders can expect:
Earning points
- 2% unlimited cash back on all purchases with no category restrictions or spending caps
- 2.5% cash back on purchases of $5,000 or more, rewarding larger business transactions
- 5% cash back on travel purchased through Chase Ultimate Rewards®
- Introductory bonus typically offering substantial cash back (often $1,000 or more) after meeting a specified spending requirement within the first three months
Redeeming rewards
Unlike other Chase Ink cards, the Ink Business Premier credit card earns cashback rewards rather than Ultimate Rewards points. This means redemptions are straightforward with options including statement credits and direct deposits to checking or savings accounts. The card doesn't allow transfers to Chase travel partners or combining rewards with other Chase Ultimate Rewards-earning cards, with all redemptions valued at a simple 1 cent per point.
Additional benefits
- No foreign transaction fees
- Primary rental car insurance when renting for business purposes
- Trip cancellation/interruption insurance
- Travel and emergency assistance services
- Purchase protection and extended warranty coverage
The rewards structure makes this card particularly valuable for businesses with significant expenses, especially those making large purchases over $5,000 regularly.
Other Chase Business credit card limits
- Chase Ink Business Cash® Credit Card: $3,000, at a minimum.
- Chase Ink Business Unlimited® Credit Card: $3,000, at a minimum.
- Chase Ink Business Preferred® Credit Card: $5,000, at a minimum.
Need higher limits? Consider the Ramp Business Credit Card as an alternative
While the Chase Ink Business Preferred offers some benefits for business owners, Ramp's Business Credit Card provides a more comprehensive solution for modern businesses.
Feature | Ramp Business Credit Card | Chase Ink Business Premier |
---|---|---|
Annual fee | $0 | $195 |
Rewards | Cashback | 2.5% cash back on purchases of $5,000 or more, 2% on all other purchases |
Credit limit | No preset limit (spending power adapts to business finances) | Varies based on business profile and creditworthiness |
Spend management tools | Included | N/A |
Accounting software integrations | Several | N/A |
Intro APR | N/A | None |
Regular APR | N/A | 19.49%–27.49% (variable) |
Foreign transaction fees | None | None |
Other benefits | Expense management tools, real-time spend insights, automated accounting integration | Cell phone protection, purchase protection, extended warranty, trip cancellation insurance |
Disclaimer: The information provided in this article has not been officially confirmed by Chase and is subject to change.

Don't miss these
“When our teams need something, they usually need it right away. The more time we can save doing all those tedious tasks, the more time we can dedicate to supporting our student-athletes.”
Sarah Harris
Secretary, The University of Tennessee Athletics Foundation, Inc.

“Ramp had everything we were looking for, and even things we weren't looking for. The policy aspects, that's something I never even dreamed of that a purchasing card program could handle.”
Doug Volesky
Director of Finance, City of Mount Vernon

“Switching from Brex to Ramp wasn’t just a platform swap—it was a strategic upgrade that aligned with our mission to be agile, efficient, and financially savvy.”
Lily Liu
CEO, Piñata

“With Ramp, everything lives in one place. You can click into a vendor and see every transaction, invoice, and contract. That didn’t exist in Zip. It’s made approvals much faster because decision-makers aren’t chasing down information—they have it all at their fingertips.”
Ryan Williams
Manager, Contract and Vendor Management, Advisor360°

“The ability to create flexible parameters, such as allowing bookings up to 25% above market rate, has been really good for us. Plus, having all the information within the same platform is really valuable.”
Caroline Hill
Assistant Controller, Sana Benefits

“More vendors are allowing for discounts now, because they’re seeing the quick payment. That started with Ramp—getting everyone paid on time. We’ll get a 1-2% discount for paying early. That doesn’t sound like a lot, but when you’re dealing with hundreds of millions of dollars, it does add up.”
James Hardy
CFO, SAM Construction Group

“We’ve simplified our workflows while improving accuracy, and we are faster in closing with the help of automation. We could not have achieved this without the solutions Ramp brought to the table.”
Kaustubh Khandelwal
VP of Finance, Poshmark

“I was shocked at how easy it was to set up Ramp and get our end users to adopt it. Our prior procurement platform took six months to implement, and it was a lot of labor. Ramp was so easy it was almost scary.”
Michael Natsch
Procurement Manager, AIRCO
