February 24, 2025

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?

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.

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Ali MerciecaFinance Writer and Editor, Ramp
Ali Mercieca is a Finance Writer and Content Editor at Ramp. Prior to Ramp, she worked with Robinhood on the editorial strategy for their financial literacy articles and with Nearside, an online banking platform, overseeing their banking and finance blog. Ali holds a B.A. in Psychology and Philosophy from York University and can be found writing about editorial content strategy and SEO on her Substack.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.

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