PROS

• 2.5% cash back on eligible purchases of $5,000 or more
• 2% cash back on all other business purchases
• Includes travel protections like primary auto rental and trip cancellation/interruption insurance
• Cell phone protection plan for all devices listed on your monthly bill

CONS

• $195 annual fee
• Can’t combine your rewards with other Chase cards
• No travel partners
• Purchases must be paid in full every month if you don’t qualify for Flex for Business

Who it’s best for: The Ink Business Premier℠ Credit Card is an excellent option for high-spending businesses that need the spending power a charge card can offer.

What we like: This card offers outstanding earning potential for businesses that make frequent large purchases of $5,000 or more. Also, while it generally needs to be paid in full each month, the Flex for Business feature lets you pay qualifying purchases of $500 or more over time with interest (up to a set credit limit).

What we don’t like:  Some might consider it a hassle to track which transactions must be settled by the end of the month and which can be paid over several months.