Ink Business Preferred℠ Credit Card
on Chase's website
Ink Business Preferred℠ Credit Card
Card details
Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 no limit to the amount you can earn
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee
Rates, fees & offers
Annual fee
$95
Rewards rate
1x-3x
Bonus offer
Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Intro APR
N/A
Ongoing APR
APR: 17.99% - 22.99% Variable APR
Cash Advance APR: 26.99%, Variable
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
None
Recommended credit score
NerdWallet review
By Gregory Karp
Rating details
4
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 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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.
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