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If you're looking to add a business credit card to your wallet, look no further than the Ink Business Preferred® Credit Card. The Ink Preferred is one of the most well-rounded cards on the market and offers a valuable welcome bonus to boot. New applicants can secure 90,000 Ultimate Rewards points after meeting the minimum spending requirements. Based on recent AwardWallet user redemptions, this bonus is worth more than $1,600 toward award travel.
Read on to learn what makes the Ink Preferred‘s bonus so special — and why you should consider applying for this card.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates & Fees
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
90,000-Point Ink Preferred Sign-up Bonus
The Ink Preferred is offering new applicants 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.. That's a sizable bonus attached to a card with a $95 annual fee.
This 90,000-point offer falls just below the card's long-running 100K Ultimate Rewards points sign-up bonus. But that doesn't mean the Ink Preferred‘s current welcome offer is worth overlooking.
Related: Chase Credit Cards: Best-Ever Offers and When You Should Apply
What is the Ink Preferred 90K welcome offer worth?
If you guessed 90,000 Chase Ultimate Rewards were worth a lot, you'd be right. There are three primary ways you can redeem your stack of points.
- Pay with points through Chase Travel℠. When redeemed this way, your Ultimate Rewards points are worth up to 1.75 cents each, depending on the specific redemption. The value of your 90,000-point sign-up bonus varies when using this method, but is typically worth more than cashing out points at face value.
- Get cash back. If you elect to cash out, your points are worth 1 cent apiece, making 90,000 worth $900 in cash back.
- Transfer points to 14 airline and hotel transfer partners. When maximized through Chase's 14 airline and hotel transfer partners, Chase points are worth an average of 1.96¢ apiece. That makes 90,000 points worth more than $1,600 toward award travel.
Of the three options, the $1,600+ number stands out. It's worth getting familiar with Chase's transfer partners; it's the key to stretching your Ink Preferred sign-up bonus the farthest.
Application restrictions
First things first: You need a small business to open a business card. Luckily, it doesn't take much to qualify. Learn more about qualifying for a business card with your Etsy store, reselling on eBay, or a side hustle with freelance work. There is also no restriction on applying for this card and receiving the sign-up bonus while being a cardholder of other Ink Business cards.
As with all Chase cards, you will not be approved if you've opened five or more personal cards from any bank in the last 24 months. Business cards do not count against this number; however, you must be under 5/24 to get approved for a business card. Learn more about Chase's unwritten 5/24 rule.
Why Should You Get the Ink Preferred?
The Ink Preferred has a valuable welcome offer, excellent earning categories, and a reasonably low $95 annual fee. Those things make the card a long-term keeper.
Ink Preferred earning rates
The Ink Preferred earning categories make it easy to stock up on Chase Ultimate Rewards points. Here's a breakdown of what you'll earn when you swipe your card:
- 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
- 1 point per $1 on all other purchases — with no limit to the amount you can earn.
Ink Preferred benefits
Cardholders can take advantage of several benefits as an Ink Preferred cardholder. Here's a preview of what you'll enjoy:
- Auto rental collision damage waiver (CDW) — secondary coverage.
- Trip interruption/cancellation insurance.
- Trip delay reimbursement.
- Baggage delay reimbursement.
- Cell phone protection.
- Purchase protection.
- Extended warranty.
- No foreign transaction fees.
To learn more about each individual benefit and more about the card, check out our full Ink Preferred review.
Final Thoughts
Few small-business credit cards are as well-rounded as the Ink Preferred. With its excellent earning rates, valuable ongoing benefits, and a manageable $95 annual fee, it stands out as a top choice for business owners. And it's one of our favorite travel rewards cards. If you're looking for a new business credit card, it should be front of mind.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
- Rates & Fees
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Ink Business Preferred® Credit Card (Rates & Fees)
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