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With its high earning potential, especially in key business categories like travel, shipping, and advertising, the card is tailored to meet the needs of entrepreneurs who want to get the most out of their spending.
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Benefits of Chase Ink Business Preferred® Card
- Earn 3X points on the first $150,000 spent annually on travel, shipping, internet, cable, phone services, and advertising purchases.
- Receive a sign-up bonus of 100,000 points after spending $15,000 in the first three months.
- Points gain 25% more value when redeemed for travel through Chase Ultimate Rewards®.
- Enjoy premium travel protections, including trip cancellation/interruption insurance and primary rental car coverage.
- No foreign transaction fees, making it ideal for international business travel.
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Pros
- Generous 3X points in high-spending business categories.
- Points are worth 25% more when redeemed through Chase Ultimate Rewards®.
- Includes valuable travel insurance and purchase protection.
- No foreign transaction fees, perfect for global business needs.
- Employee cards available at no additional cost.
Cons
- $95 annual fee, which may not suit businesses with low expenses.
- Requires excellent credit for approval
- .Limited to businesses that meet Chase’s eligibility criteria.
about the card
The Chase Ink Preferred® Card is a top-tier business credit card, offering exceptional rewards and travel benefits tailored to small businesses and entrepreneurs. Its 3X point-earning structure in key business categories is unmatched, allowing cardholders to maximize returns on everyday expenses like advertising, internet, and travel.
What sets this card apart is the flexibility of its rewards program. Points can be redeemed for cash back, gift cards, or travel. When redeemed through Chase Ultimate Rewards®, points are worth 25% more, providing exceptional value for frequent travelers. For those who value premium travel perks, the card includes extensive protections such as trip cancellation insurance, baggage delay insurance, and primary rental car coverage.
Additionally, the card is designed for businesses of all sizes, offering employee cards at no extra cost and allowing spending limits to be set for each user. This feature provides greater control over business expenses while still earning rewards. With no foreign transaction fees and a manageable $95 annual fee, the Chase Ink Preferred is an excellent choice for businesses looking to streamline expenses and maximize rewards.
How to Apply for the chase ink business preferred® Card
- Check Eligibility: Ensure you have a valid business and a good to excellent credit score (typically 700+).
- Gather Documentation: Prepare your business details, such as name, industry, and revenue, along with your personal information.
- Visit Chase’s Website: Go to the official Chase Ink Preferred Card page and click “Apply Now.”
- Complete the Application: Enter your personal and business information, including tax ID or Social Security number.
- Submit and Await Approval: Applications are typically reviewed quickly, with some approvals granted instantly.
Disclaimer: You will be redirected to the official website.
optimizing business spending
The Chase Ink Preferred Card is a game-changer for businesses looking to earn significant rewards. By focusing on spending in high-reward categories like travel and advertising, businesses can quickly accumulate points that can be redeemed for cash back, travel, or other perks.
Benefits Breakdown
| Feature | Details |
|---|---|
| Rewards Rate | 3X points on travel, shipping, internet, cable, phone services, and advertising; 1X on all other purchases. |
| Annual Fee | $95 |
| Sign-Up Bonus | 100,000 points after spending $15,000 in the first three months. |
| Point Value for Travel | 1.25 cents per point when redeemed through Chase Ultimate Rewards®. |
| Foreign Transaction Fees | $0 |
| Travel Protections | Trip cancellation/interruption insurance, primary car rental coverage, baggage delay insurance. |
FLEXIBLE REDEMPTION FOR BUSINESS REWARDS
The ability to redeem points for 25% more value through Chase Ultimate Rewards® is a standout feature of the Chase Ink Preferred Card. This added value makes it easier for businesses to book flights, hotels, and other travel-related expenses while maximizing their rewards.
How to Improve Your Credit Score to Get Approved for THE CHASE INK BUSINESS PREFERRED® CARd
Using the Chase Ink Preferred Card responsibly can help build or maintain a strong credit score, which is essential for securing favorable terms on future credit.
- Pay on Time: Always pay your bill before the due date to avoid late fees and penalties.
- Monitor Utilization: Keep your credit utilization below 30% to maintain a healthy credit profile.
- Review Credit Reports: Regularly check your credit reports for errors and dispute inaccuracies.
- Limit Credit Inquiries: Avoid applying for multiple credit accounts in a short period.
By following these steps, you can ensure a strong credit profile while reaping the rewards of your Chase Ink Preferred Card.
FINAL CONSIDERATIONS
The Chase Ink Preferred® Card is an excellent choice for small businesses and entrepreneurs who want to maximize their rewards on everyday expenses. Its 3X point structure on high-value business categories and generous sign-up bonus make it a standout among business credit cards.
The ability to redeem points for 25% more value through Chase Ultimate Rewards® adds significant flexibility, especially for frequent travelers. The card’s extensive travel protections, no foreign transaction fees, and employee card options make it an all-in-one solution for managing business expenses.
While the $95 annual fee might seem high to some, the rewards and perks far outweigh the cost for businesses with significant expenses. For companies focused on growth and efficiency, the Chase Ink Preferred Card is a powerful financial tool that combines simplicity, value, and premium benefits