Ink Business Preferred® Credit Card
on Chase's website
Ink Business Preferred® Credit Card
Card details
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Rates, fees & offers
Annual fee
$95
Rewards rate
1x-3x
Bonus offer
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Intro APR
N/A
Ongoing APR
APR: 16.24%-21.24% Variable APR
Cash Advance APR: 25.24%, Variable
Penalty APR: 29.99%, Variable
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
None
Recommended credit score
Compare to other cards
| Learn more | ||
Annual fee$95 | Annual fee$99 | Annual fee$95 |
Regular APR16.24%-21.24% Variable APR | Regular APR16.74%-23.74% Variable APR | |
Intro APRN/A | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Gregory Karp
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Rating details
5
Editor's overall rating
Pros and cons
Pros
New cardholder bonus offer
Bonus categories
Transfer partners
Cons
Has annual fee
No intro APR offer
The Ink Business Preferred® Credit Card ranks among the best credit cards for small business thanks to a huge sign-up bonus, a high rewards rate in typical business categories and valuable perks.
A highlight is the generous sign-up bonus: Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®. Ongoing rewards are 3 points per $1 on the first $150,000 spent on:
--Travel.
--Shipping.
--Internet, cable and telephone service.
--Advertising purchases with social media sites and search engines.
Earn 1 point per $1 on all other purchases, without limit. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®.
For many small businesses, that can return a lot of value for an annual fee of $95.
If the bonus categories don’t match your spending or you prefer cash back, look elsewhere. Otherwise the Ink Business Preferred® Credit Card checks about as many boxes as a card reasonably can for business travelers without charging an annual fee in the hundreds of dollars.
For more information, see our full review of this card.
