Michael Anderson
Sunday, September 21, 2025 at 12:32 AM EDT
Ink Business Preferred® Credit Card
A standout business card with generous bonus categories, transferable points, and valuable protections—all for under $100 annual fee.
- Select “Apply Now” to apply online
- Annual fee: $95
- 90,000 bonus points after $8,000 in purchases in 3 months
- 3× points on travel, shipping, internet, cable, phone, advertising (up to $150,000/year)
- 1× point on all other purchases
- No foreign transaction fee
- Transfer points 1:1 to airline and hotel partners
- Built-in travel and purchase protections
Credit Card Review
The Ink Business Preferred® Card delivers strong rewards on major business expenses. You earn 90,000 bonus points after spending $8,000 in the first three months. The card pays 3X points on travel, shipping, internet, cable, phone services, and advertising with social media or search engines. These bonus rates apply to the first $150,000 in combined purchases per year. All other spending earns 1X points per dollar.
There are no foreign transaction fees, making it useful for international business travel. Points can be transferred 1:1 to leading airline and hotel loyalty programs for maximum value. The card also includes built-in travel protections, such as trip cancellation coverage and rental car insurance. Purchase protections like extended warranty and cell phone insurance add extra peace of mind.
When redeemed through Chase Ultimate Rewards®, points are worth 25% more for travel. Employee cards are free and help you earn rewards faster. The card integrates with accounting software to simplify expense management. Digital wallet support allows secure and quick checkout for business purchases. With a $95 annual fee, it’s a cost-effective option for businesses that spend heavily in bonus categories.
- Large welcome bonus
- High earning on many business expenses
- No foreign transaction fee
- Flexible point transfers
- Strong travel and purchase protections
- $95 annual fee
- Earning cap applies to high-earning categories
How to Apply for Ink Business Preferred® Credit Card
Check Eligibility
Confirm Ink Business Preferred® Credit Card fits your business size and spending needs (cash flow, travel, vendor purchases, or employee cards).
Prepare Your Information
Prepare personal details plus business name, business type, revenue, years in business, and tax identification information if requested.
Apply on the Issuer Site
Use the Apply button for Ink Business Preferred® Credit Card and complete the secure issuer application form with accurate information.
Review the Decision
Review approved credit limit, employee card options, expense tools, and reward categories before first use.
Activate and Set Up
Activate the card, connect it to accounting/expense workflows, and set controls for employees if the issuer supports them.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Ink Business Preferred® Credit Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Ink Business Preferred® Credit Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Can I apply for Ink Business Preferred® Credit Card as a sole proprietor?+
Many business cards allow sole proprietor applications using personal information plus basic business details, but issuer requirements vary.
Will applying for Ink Business Preferred® Credit Card affect my personal credit?+
Most issuers check personal credit when you apply for a business card, so a hard inquiry may appear on your personal credit report.
What details should I have ready for Ink Business Preferred® Credit Card?+
Prepare business name, business type, estimated revenue, time in business, and your personal guarantor information if requested.
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