Skip to Main Content

Ink Business Preferred® Credit Card review: The “preferred” Chase business card?



Bankrate rating
Rating: 4.4 stars out of 5

Bottom line

The flagship Chase business card stands apart from the crowd by offering a chart-topping sign-up bonus, access to the Ultimate Rewards program and rich travel and shopping protections. It could be a prime travel rewards card for business owners who take advantage of its bonus categories’ high annual spending limit. However, business owners with smaller budgets may have a hard time justifying the annual fee and specialized categories when other business cards — including no-annual-fee Chase cards — may provide comparable value at a similar or lower cost.

Image of Ink Business Preferred® Credit Card
Apply now Lock
on Chase's secure site

Rewards rate

1X - 3X

Annual fee


Intro offer

100,000 points

Regular APR

20.49% - 25.49% Variable

Recommended Credit Score

Good to Excellent (670 – 850)

Ink Business Preferred® Credit Card Overview

Small businesses with upcoming high-dollar purchases are a prime market for the Ink Business Preferred Credit Card, since it offers a 100,000-point welcome bonus, earned after spending $15,000 on qualifying purchases within three months.

According to Bankrate’s latest point valuations, the welcome offer can be worth up to $2,000 if you maximize your redemption options. If you redeem your points through the Chase Ultimate Rewards portal, your points are worth $1,250 in travel purchases, but other redemption options can be more lucrative. For any fresh business startups looking for a solid business credit card, a welcome bonus offers rewards that can go right back into your bottom line. It also makes the $95 annual fee and lack of an intro APR offer a little easier to justify.

Outside of its valuable sign-up bonus, the Ink Business Preferred delivers plenty of value as a top-tier business Chase credit card for frequent travelers, thanks to its bonus redemption value toward travel and comprehensive travel protections. Its rewards potential may not be the most appealing for lower-expense businesses that can’t spend sufficiently in its bonus categories, but it can certainly swing above its weight class for people who can take advantage of its category rates.

What are the pros and cons?


  • Checkmark

    It offers a low annual fee, which is a substantial advantage for a business card.

  • Checkmark

    It has an impressive welcome bonus that could significantly increase your earning potential during the first year of use.

  • Checkmark

    Employee cards come at no extra cost, so you don’t have to worry about an additional fee per card.

  • Checkmark

    25 percent bonus for points redeemed toward Chase travel, which can greatly benefit you if travel is your primary spending category.


  • When compared to other business cards, the welcome bonus has a high spending requirement in a short timeframe.

  • The bonus category rewards rate is capped at $150,000 in combined purchases per year, which restricts your earning potential if you plan on frequently spending beyond the limit.