Take your business to the next level with the Chase Ink Business Preferred Card, offering unparalleled rewards and benefits designed specifically for entrepreneurs and small business owners.

Whether you’re managing daily operations or planning future growth, the Chase Ink Business Preferred Card is your perfect financial partner. With its high rewards potential and valuable perks, this card helps you make the most of every dollar spent.

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About the card

The Chase Ink Business Preferred Card is designed to cater to entrepreneurs and small business owners who want to earn valuable rewards on their everyday expenses. With its robust earning potential in travel, shipping, internet, cable, phone services, and advertising, the card is particularly appealing to companies in growth or marketing-intensive phases.

Additionally, the card’s points transfer feature to leading airline and hotel programs makes it a favorite for frequent travelers. Points redeemed through Chase Ultimate Rewards earn a 25% bonus, maximizing their value for travel bookings.

Other features include fraud protection, purchase protection, and account management tools tailored to business needs. Whether you’re scaling operations or managing day-to-day expenses, the Chase Ink Business Preferred Card offers a flexible and rewarding solution.

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How to Apply

Applying for the Chase Ink Business Preferred Card is straightforward:

1. Visit the Chase Website: Navigate to the official Chase Ink Business Preferred Card page.
2. Complete the Online Application: Provide your business and personal information, including annual revenue, industry type, and legal business name.
3. Submit Your Application: Chase typically processes applications within minutes, but some cases may require additional review.

You will be redirected to another site.

Disclaimer: Approval depends on various factors, including creditworthiness, income, and business details. Ensure your business meets Chase’s criteria before applying.

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Tips for Maximizing Your Card

• Leverage Bonus Categories: Focus spending on travel, shipping, and advertising to earn 3x points.
• Redeem Through Chase Ultimate Rewards: Get 25% more value when booking travel.
• Transfer Points to Partners: Utilize airline and hotel loyalty programs for premium travel experiences.
• Pay in Full: Avoid high-interest charges by clearing your balance monthly.
• Track Employee Spending: Use the free employee cards feature to manage business expenses efficiently.

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General Considerations

Feature	Details
Annual Fee	$95
Rewards Rate	3x points on select business categories
Welcome Bonus	100,000 points after $8,000 spend
Foreign Transaction Fees	None
Travel Insurance	Comprehensive coverage
Employee Cards	Free
Credit Score Required	Good to Excellent (700+)

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How to Improve Your Credit Score with the Card

Using the Chase Ink Business Preferred Card responsibly can help improve your credit score over time. Here are a few tips:

1. Pay On Time: Ensure timely payments to avoid penalties and improve your payment history. Setting up automatic payments can help you stay consistent and avoid missing due dates.
2. Keep Utilization Low: Avoid maxing out your credit limit; aim to use less than 30% of available credit. For even better results, keep utilization below 10% if possible, and consider requesting a credit limit increase as your financial situation improves.
3. Monitor Your Account: Regularly review transactions to identify potential errors or fraud. Use tools like credit monitoring services to stay informed about changes to your credit profile and catch discrepancies early.
4. Diversify Your Credit Mix: If feasible, consider maintaining a variety of credit accounts (e.g., loans, other credit cards) to demonstrate responsible financial management across multiple types of credit.
5. Avoid Frequent Applications: Limit how often you apply for new credit. Each application triggers a hard inquiry, which can temporarily lower your credit score.

These habits will not only improve your credit score but also enhance your overall financial health, helping secure better financial opportunities for your business.

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Additional Benefits

• Purchase Protection: Protects new purchases against accidental damage or theft for up to 120 days. This feature provides coverage for eligible items purchased with the card, ensuring peace of mind when investing in high-value equipment or goods essential to your business operations. Reimbursement or repair costs are covered up to the policy’s limits.
• Extended Warranty Protection: Adds an extra year to the manufacturer’s warranty on eligible purchases. This is particularly advantageous for expensive electronics or essential business equipment, offering you extended reliability and reduced costs for replacements or repairs.
• Cell Phone Protection: Provides up to $1,000 annually for theft or damage to your cell phone when you pay your monthly phone bill using the card. This coverage includes repairs and replacements, ensuring your business communication stays uninterrupted, especially when relying on mobile devices.
• Travel and Emergency Assistance Services: Grants access to 24/7 support during travel emergencies. Services include medical and legal referrals, assistance with lost luggage or passports, and support in unforeseen situations. This benefit ensures you have help wherever your business travels take you.

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Final Considerations

The Chase Ink Business Preferred Card is a highly rewarding option for small business owners seeking to maximize their spending. Its 3x rewards categories align well with common business expenses, and the flexibility of the Ultimate Rewards program adds tremendous value.

However, it’s essential to evaluate whether the $95 annual fee and specific bonus categories match your business needs. If your spending aligns with the card’s strengths, the rewards and protections easily outweigh the cost.

For businesses with a focus on travel or advertising, this card is a standout choice. Just ensure you’re using it responsibly to maximize the benefits and build your credit profile.

Read more: All about Chase Sapphire Preferred® Card

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FAQ