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Chase Ink Business Preferred Credit Card

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The Chase Ink Business Preferred is quite a rewarding credit card. You’ll get 3X points per dollar in four different bonus categories, which is a pretty great deal. And you can redeem those points for a 25% bonus through Chase Ultimate Rewards, which makes it even better. Or you can transfer your points to a variety of frequent traveler programs, where you might get more value for them.

This card has a $95 annual fee. You can order free employee cards to enhance your ability to earn rewards, and set individual spending limits for them. There are no foreign transaction fees so you can make purchases from anywhere in the world without paying extra. There are also some travel and shopping protections, to help out in case something goes wrong.

Card Quick Facts

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

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Card Details

Rewards

3X points per dollar on the first $150,000 spent per year on:
- Travel
- Shipping
- Internet, cable, and phone services
- Advertising purchases made with social media sites and search engines
1X point per dollar on all other purchases

How to Redeem

Introductory Bonus

80,000 bonus points for spending $5,000 in the first 3 months after account opening

Card Stats

Annual Fee $95

Additional Cards Annual Fee -

Regular Purchase APR 18.24%–23.24% Variable

Intro Purchase APR -

Foreign Transaction Fee 0%

Chip Technology Chip-and-Signature

Minimum Credit Limit $5,000

Maximum Credit Limit -

Free Credit Score Yes

Penalty APR 29.99% Variable

Late Fee Up to $39

Returned Payment Fee Up to $39

Balance Transfers

Intro Balance Transfer APR -

Regular Balance Transfer APR 18.24%–23.24% Variable

Balance Transfer Fee 5%, $5 minimum

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

How balance transfers work

Cash Advances

Cash Advance APR 26.99% Variable

Cash Advance Fee 5%, $15 minimum

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

How cash advances work

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Read about this specific card’s benefits

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20,000 Bonus Points per Referral

Invite other business owners to apply for this card, and you’ll get 20,000 bonus points for every successful application. Up to 100,000 points per year.
Free Employee Cards

Add employee cards to your account at no cost. Set individual spending limits for the card, and earn rewards faster.
1:1 Point Transfer to Frequent Traveler Programs

Transfer your points to a variety of airline and hotel loyalty programs. Included are Southwest Airlines Rapid Rewards®, United MileagePlus®, IHG® Rewards Club, and Marriott Rewards®.

Zero Liability Protection

Cardholders aren’t held responsible for unauthorized transactions.
Fraud Protection

Real-time monitoring for fraudulent activity to help ensure the safety of your account.

Cell Phone Protection

When you pay your monthly cell phone bill with the card, provides coverage for theft or damage of your cell phone. Up to $600 per claim, $100 deductible per claim, maximum of 3 claims in a 12 month period. Applies to you and your employees listed on your monthly bill.
Purchase Protection

Provides coverage for 120 days against theft and damage, up to $10,000 per claim and $50,000 per account.
Extended Warranty Protection

Eligible warranties of 3 years or less can be extended by up to an additional year.

Travel and Emergency Assistance Services

Provides a number of emergency services, 24/7. Services include sending emergency messages, providing medical and legal referrals, ticket and document location, and translation services.
Travel Accident Insurance

Cardholders are eligible for accidental death or dismemberment coverage. Applies to transportation via air, train, bus or cruise purchased with this card.
Auto Rental Collision Damage Waiver

Covers collision damage and theft on most rented cars in the U.S. and abroad. Cardholder must purchase the rental with the card and decline the rental company’s collision insurance. Coverage is primary when renting for business purposes. Provides coverage up to the actual cash value of the vehicle.
Roadside Dispatch

Provides assistance while on the road, such as a locksmith, tire change, or towing services. Cardholder will be charged $69.95 per service call. Additional fees may apply.
Trip Cancellations/Trip Interruptions Insurance

Provides reimbursement up to $5,000 per trip if your trip is cancelled or cut short because of sickness, severe weather, or other conditions. Funds are available for pre-paid non-refundable travel expenses, like passenger fares, tours, and hotels.

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Chase Ink Business Preferred Credit Card

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