Ink Business Preferred® Credit Card
Basic Information
Program ID: ink-business-preferred
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:26
Last Scraped: 01/15/2026 16:27
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Chase Ultimate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x on Travel, Shipping, Internet/Cable/Phone Services, Social Media/Search Engine Advertising
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: United, Southwest, British Airways, Air France-KLM, Singapore Airlines, Virgin Atlantic, Hyatt, Marriott, IHG
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 7
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
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 Feedback:
Annual fee may be a deterrent for some, 3x categories are capped, and requires a solid business credit profile for approval.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0