Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

on Chase's website

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

on Chase's website

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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.

  • $95 Annual Fee

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: 15.99% - 20.99% Variable APR

    Cash Advance APR: 24.99%, 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$95

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

15.99% - 20.99% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Gregory Karp

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No foreign transaction fee

Cons
  • Has annual fee

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.