Last Updated: 10/08/2025
Explore a similar product
Try this top product in Business Credit Cards
Capital One Spark Cash Select
Strongly recommended8 reviews
Community Recommended Products
View AllStrongly recommended8 Reviews
Learn More
Strongly recommended9 Reviews
Learn More
Strongly recommended7 Reviews
Learn MoreCompare All Business Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.24% - 26.24%(Verified 01/17/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.24% - 26.24%(Verified 01/17/2025)
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
670 - 850
Number of Reviews
Ink Business Preferred® Credit Card Review
This is a cashback card issued by Chase Bank. If you're wondering whether Ink Business Preferred® Credit Card is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
- Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.24% up to 26.24%.
- A 5% balance transfer fee. Ink Business Preferred® Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Chase Ink business Preferred
| The Good | The Bad |
|
|
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 20.24% up to 26.24% . The card has a variable balance transfer APR that ranges from 20.24% up to 26.24% .
It also has a variable cash advance APR of 29.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 20.24% - 26.24% |
| Balance Transfer APR | 20.24% - 26.24% |
| Cash Advance APR | 29.24% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95 ($95) .
- A late payment penalty of $40 .
- A returned payment fee of $40.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $40 |
| Late Payment Fee | $40 |
Does it offer a cash back or rewards program?
Yes, Chase Ink business Preferred offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 90,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Advertising Services
- Airfare
- Amazon.com
- Car Rentals
- Internet, Cable and Phone Services
- Every Purchase
- Hotels
- Office Supply Stores
- Shipping
Does it have a sign up bonus?
Yes. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening..
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Chase Ink business Preferred
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
Other Services by Chase Bank
Business Checking Accounts
4
4
1
9 Reviews
Money Market Accounts
Rating not yet determined (1 Review)
Money Transfer Services
14
6
22 Reviews
Business Lines of Credit
Be the first to rate
Business Loans
Rating not yet determined (4 Reviews)
Commercial Mortgage
Be the first to rate
Investment Advisors
Be the first to rate
Home Mortgage Loans
17
2
20 Reviews
Other Business Credit Cards from Chase Bank
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Annual Fee
$0
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Purchase APR
17.49% - 23.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 23.49%
Disclaimer popup with additional information
Annual Fee
$0
Disclaimer popup with additional information
Credit Score Range
660 - 850
300
850
Rating not yet determined
Purchase APR
18.74% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 23.49%
Disclaimer popup with additional information
Annual Fee
$99
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$99
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Rating not yet determined
Purchase APR
18.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 26.49%
Disclaimer popup with additional information
Annual Fee
$195
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$299
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$149
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Annual Fee
$150
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Annual Fee
$199
Disclaimer popup with additional information
Credit Score Range
660 - 850
300
850
Community Recommended Products
View AllStrongly recommended8 Reviews
Learn MoreStrongly recommended9 Reviews
Learn MoreStrongly recommended7 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Ink Business Preferred® Credit Card Community Reviews
Would you recommend Ink Business Preferred® Credit Card to your friends?
David G.
May 19, 2021
May or may not recommend
To get the Inkcash credit card sign-up bonus, new cardholders must spend $7,500 within the first 3 months of opening an account. The Ink Cash credit card bonus is $750.
Keep in mind, however, that you will not be eligible for this introductory bonus if you currently have the Ink Cash credit card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned ...Show More
ST
Samuel T.
Jan 14, 2021
May or may not recommend
If you are searching for a credit card that offers 100% satisfactions to customers, look no further than this business credit card. Before we picked this card, we had a long period deliberation with our team leader. Many business credit cards have let us down. We are avoid another trash card. Fortunately, we have had a good experience with this card. As at now, we can recommend this business credit ...Show More
MW
Micheal W.
Jan 1, 2021
May or may not recommend
Chase Ink Business Preferred Credit Card's services are so awesome! I got this card for my personal business, and it has been helping out a lot. The signup bonus is so generous, cashback rewards too. Security on the card is also great.
I enjoy using chase so much, and I strongly recommend this to small business owners.
LM
Lee M.
Nov 28, 2020
May or may not recommend
First, the sign-up bonus is generous: 100,000 points if you spend $15,000 in first 3 months. For more established businesses, this should be easy to hit. Plus, points don’t expire no blackout dates, and you get a 25% travel discount via the Ultimate Rewards website.
Great transfer features as well, where you can transfer points to airlines and hotels as well as other Ultimate Rewards cards.
AD
Amanda D.
Nov 7, 2020
May or may not recommend
I was excited to try out the Chase Ink Business Preferred Credit Card after I heard about this card’s exciting rewards.
When opening this card, you’re able to receive 100,000 bonus points if you spend $15,000 in the first 3 months after opening your account.
One drawback is the annual fee of $95 that applies immediately when you open your account.
It’s not the most ideal card for business owners who travel often. ...Show More
PH
Patrick H.
Oct 22, 2020
May or may not recommend
I enjoy using Chase. Since I have been using Chase, I rarely have issues with them. They are always responsive and ready to help me out. I had a minor challenge once and they were able to fix it immediately. Currently, I have two Chase credit cards and they have been a good source of cash rewards.
U
Anonymous
Sep 29, 2020
May or may not recommend
I had good experience here.it was fun.and the people here is down to earth
RB
Richard B.
Sep 18, 2020
May or may not recommend
This card is incredible if you buy advertising. 3 Points for ad dollars spent on social media up to $ 150k spend. You can earn some SERIOUS points this way. Also applies to travel, internet and phones, and shipping. Most of of the big expenses a business has will all get points. For me it covers-the family vacation just for paying normal business expenses.
DT
David T.
Aug 18, 2020
May or may not recommend
They came through on the cash back points just as they said they would! Easy time on the phone with customer service too would definitely recommend the card to anyone in need. I used AmEx Business Platinum for a while living abroad. Now that I am back in the USA, it is clear that Chase offers more benefits that I can use.
Heather P.
Aug 13, 2020
May or may not recommend
We got this card to use for our small business, because of the sweet bonus of saving for vacation while working. The 100,000 bonus points wracked up as we bought overhead and we were able to use the points for travel through Chase Ultimate Rewards. We used ours for airfare (one of our options for a better return on our points. 25% higher value than for cash back) It comes ...Show More
Showing 10 of 10 reviews
You might also like
Best Business Credit Cards
SuperMoney
Can I Use a Personal Loan to Fund My Small Business?
Audrey Henderson
Easy Business Loans and Your Credit Score
Chonce Maddox
How to Build Your Business Credit
Jessica Walrack