Ink Business Preferred® Credit Card

Chase Visa Premium Pending

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0

Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ink-business-preferred

Issuer: Chase

Card Name: Ink Business Preferred® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:26

Last Scraped: Jan 15, 2026 16:27

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Chase Ultimate Rewards Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x on Travel, Shipping, Internet/Cable/Phone Services, Social Media/Search Engine Advertising

Quarterly Rotating: No

Cap Amount: $150,000.00

Expiration Policy: Points do not expire as long as account is active and in good standing.

Point Value: 0.02¢

Travel Portal Multiplier: 1.25x

Transfer Partners: United, Southwest, British Airways, Air France-KLM, Singapore Airlines, Virgin Atlantic, Hyatt, Marriott, IHG

Redemption Penalties: No significant penalties for standard redemptions.

Benefits & Protections (Detailed)
No Card Benefits Available

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Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $100

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $95.00
Year 1 Waived: No
Effective Annual Fee: $95.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $1.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
740 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Ink Business Preferred card offers a substantial Ultimate Rewards points bonus (e.g., 100,000 points) after meeting a specified spending threshold (e.g., $15,000) within the first 3 months of account opening. Eligibility requirements include: 1) The applicant must not have opened 5 or more personal or business credit cards from any issuer in the past 24 months (Chase 5/24 Rule). 2) The applicant must operate a legitimate business (sole proprietorship, LLC, corporation, etc.) and meet Chase's creditworthiness standards. 3) The applicant is not eligible for this card if they currently hold any Ink business credit card or have received a new cardmember bonus for any Ink business credit card within the last 24 months.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS) that is easily detectable or excessive, rapid cycling of credit limits, high cumulative credit limit across all Chase cards relative to stated income/business revenue, sudden drastic changes in spending patterns inconsistent with business type, opening too many cards in a short period (beyond 5/24), abuse of return policies or chargebacks, consistent late payments, or applying for excessive credit too quickly.

Cliff Effect Rules: The Chase 5/24 rule acts as a hard 'cliff' for eligibility, preventing approval if 5 or more new accounts have been opened in the past 24 months. Additionally, the Ink family rule prevents new cardmember bonuses if the applicant currently holds any Ink business card or has received a bonus for any Ink business card within the last 24 months, effectively creating a 'cliff' for churning within the Ink product line.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.5 / 5.0

Top Positive:
Excellent sign-up bonus, strong 3x earning categories for business expenses (travel, shipping, internet, advertising), valuable travel protections, and flexible points transfer options to airline and hotel partners.

Top Negative:
Annual fee may be a deterrent for some, 3x categories are capped, and requires a solid business credit profile for approval.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • American Express Business Gold Card
  • Chase Ink Business Unlimited
  • Capital One Spark Miles for Business

Card Value Score: 88.0 / 100

Est. Annual Rewards: $1,350.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0