Rewards & next steps

How to Apply for the Chase Ink Business Premier Card

★Here's how to get the most from this card. Follow the steps below, then apply on the issuer's official site.

Applying for the Ink Business Premier follows Chase's standard small-business card process: it's a personal application tied to your business, meaning Chase will review both the business's information and the primary applicant's personal credit and finances. Having your business details organized in advance — and understanding the credit profile Chase expects — makes the process faster and reduces the chance of a preventable denial.

The steps below outline the general application path and what to prepare; exact screens, required documents, and offer terms can change, so treat this as a planning guide rather than a guarantee of approval or of any specific bonus amount.

Step by step

1. Check your personal credit standing: Since Chase evaluates the primary applicant's personal credit alongside the business, review your credit report and score beforehand. Excellent credit (commonly cited around 740+) gives the best approval odds; if your credit is still building, a no-annual-fee business card may be a better starting point.
2. Gather your business information: Have your legal business name, structure (sole proprietorship, LLC, corporation, etc.), Employer Identification Number or Social Security Number, business address, and estimated annual revenue ready. Sole proprietors without a formal business name can generally apply using their own name and SSN.
3. Review the current welcome offer and terms: Before applying, check Chase's official Ink Business Premier page for the live annual fee, welcome bonus amount and spending requirement, and current APR ranges — these can change from what's described in older reviews or this guide.
4. Submit the application and plan for the spending requirement: Complete the online application with accurate business and personal details. If approved, map out upcoming large purchases (inventory orders, equipment, vendor invoices) that could help you naturally reach the bonus spending threshold within the required window, rather than spending just to hit a number.
5. Set up employee cards and spending controls: Once the account is open, add employee cards at no extra cost and set individual spending limits so you can track who's charging what, which also helps concentrate purchases in ways that may qualify for the card's 2.5% large-purchase rate.

Tips & mistakes to avoid

• Where possible, consolidate a large order into a single transaction rather than splitting it across multiple smaller charges — the 2.5% rate is tied to individual purchases of $5,000+, so how a purchase is processed can matter.
• Use Flex for Business selectively. It adds flexibility to carry a large purchase over time, but interest accrues at a variable APR, so it's best reserved for cases where the cost of financing is clearly worth it rather than a default habit.
• Consider pairing the Premier with a category-based Ink card, like the Ink Business Cash, so recurring smaller expenses (supplies, internet, phone) earn a higher targeted rate while large purchases go on the Premier.
• Because the bonus is now generally limited to once per card over the account's lifetime, time your application for a period when you have a genuine, planned $10,000+ spending need rather than applying opportunistically.

FAQ

Will applying for the Ink Business Premier affect my personal credit score?

Likely yes, at least initially. Because small-business card applications typically involve a personal guarantee, Chase generally performs a hard inquiry on the applicant's personal credit, which can cause a small, temporary dip in the personal credit score.

Can I be approved for the Ink Business Premier if I already have other Chase Ink cards?

It's possible, but Chase applies its own underwriting rules and business-card application limits (including the widely reported "5/24" pattern for personal credit activity) that can affect approval odds. Review your recent card-opening history before applying if you already hold multiple Chase cards.

Do I need a registered business (LLC or corporation) to apply?

No. Sole proprietors and freelancers can generally apply using their own legal name and Social Security Number if they don't have a formal business entity, as long as they have some form of business activity or income.

Advertiser disclosure: general information only, not financial advice. We are an independent publisher, not a card issuer or lender. Confirm current terms on the issuer's official site.