Ink Business Preferred
Chase
Ink Business Preferred
Offer Strength
Great offer$320 above typical value
Show breakdown
Estimated bonus value: ~$1,600
Base score: 61
Current $1,600 vs typical $1,280
Net value after annual fee: ~$1,505
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Credit Score
Good credit recommended (670+)
Ink Business Preferred
Welcome Offer
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Shipping, advertising, internet/cable/phone, travel
3x points
Up to $150,000 in combined purchases per year
Lyft rides
5x points
Through 09/30/2027
All other purchases
1x points
Key benefits
100,000-point welcome bonus
After $8,000 spend in 3 months.
3X on select business categories
On up to $150,000 in combined spend each account anniversary year.
5X on Lyft rides
Through 09/30/2027.
Complimentary DashPass
$0 delivery fees and reduced service fees (activate by 12/31/2027).
Perks
Employee cards at no additional cost
Set spending limits and earn rewards faster.
Points transfer 1:1
Transfer points to airline and hotel partners.
Good fit for
About this card
The Ink Business Preferred is one of the most popular business cards in the rewards space. It earns 3x points on the first $150,000 in combined purchases in travel, shipping, internet, cable, phone services, and advertising each year, with points transferring to the same Ultimate Rewards partners as the Sapphire line.
Best for
Small business owners and freelancers with significant spending in advertising, shipping, or telecommunications. Also valuable for sole proprietors who want access to UR transfer partners without a personal Sapphire card.
Key considerations
Requires a legitimate business (sole proprietorships qualify). Subject to Chase 5/24 for approval, though business cards don't count toward other applicants' 5/24 counts.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
$50-$95 statement credit
PhoneFlyerTalk · 2025-12
Annual fee waiver (rare)
PhoneReddit · 2025-08
Tip: Chase is generally stingy with Ink retention offers. Call and mention you are considering downgrading to Ink Cash or Ink Unlimited.
Last updated: 2026-03. Not guaranteed.
Card analysis
Offer analysis
The current offer on the Ink Business Preferred awards 100,000 points after spending $8,000 within 90 days of account opening.
Annual fee value
This card carries a $95 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $1,505 in net value after the annual fee.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the ink product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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