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Ink Business Preferred® Credit Card: Empower Your Business With High-Earning Rewards

Earn up to 3x points on essential business expenses and unlock massive value with a powerful welcome bonus.

  • Massive Welcome Bonus

  • Get your business off to a strong start with one of the most generous sign-up offers in the market—100,000 bonus points after spending $8,000 in the first 3 months. That’s worth $1,250 when redeemed for travel through Chase Ultimate Rewards®. This bonus alone can cover flights, hotels, or reinvestment in business travel needs. It’s a one-time opportunity to earn big rewards from your initial business purchases.

  • 3x Points on Key Business Categories

  • Earn 3x points on the first $150,000 spent annually on combined purchases in business-critical categories like shipping, online advertising, travel, and select communication services. Every other purchase earns 1x. This reward structure is tailored to how real businesses spend—whether it’s scaling your online presence or managing operations.

  • Flexible Redemption with Ultimate Rewards®

  • Points earned can be redeemed for cash back, gift cards, or travel, or transferred at a 1:1 ratio to Chase’s travel partners including Hyatt, United, and Southwest. When booking through Chase Ultimate Rewards®, points are worth 25% more. That means your rewards go further—whether for business trips or personal getaways.

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Things to Consider Before You Apply

  1. No 0% Intro APR
    Unlike some other business cards, the Ink Business Preferred® doesn’t offer a 0% introductory APR on purchases or balance transfers. While this may not suit those looking to carry a balance, it’s less of a drawback for businesses that pay off expenses monthly and want high rewards instead.

  2. $95 Annual Fee
    The card has a $95 annual fee, which might concern some small businesses. However, the value from the welcome bonus, 3x earnings, and protections easily outweighs this cost—especially if you’re using the card for regular, high-value purchases.

How to Apply for the Ink Business Preferred® Credit Card

Applying for the Ink Business Preferred® Credit Card is simple, secure, and can be done entirely online through Chase’s website. Before you start, make sure you have the necessary information ready—this includes your legal business name, business structure, estimated monthly spend, and your EIN or Social Security number if you’re a sole proprietor. You’ll also need to provide your personal financial details and credit history, so ensure your credit score is in the good-to-excellent range (typically 700+). Most applicants receive a decision within minutes, and approved cards typically arrive within 7–10 business days. Once activated, you can start earning rewards immediately.

The Ink Business Preferred® Credit Card, issued by Chase, is designed for entrepreneurs and growing businesses looking to maximize their return on essential spending. Backed by one of the most trusted banks in the U.S., this card combines security, flexibility, and high-value rewards into a single financial tool that can truly scale with your business.

One of the card’s biggest draws is the 100,000-point welcome bonus, which translates into $1,250 in travel through Chase Ultimate Rewards®—a huge head start for startups or established businesses with ongoing expenses. But the value doesn’t stop there. With 3x points on the first $150,000 annually in categories like travel, shipping, social media advertising, and phone services, your everyday business expenses become a steady stream of rewards.

What sets this card apart is its flexible redemption options. You can transfer points to top airline and hotel partners like United, Southwest, or Hyatt at a 1:1 ratio. Alternatively, you can book travel directly through Chase for 25%

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