Whether or not you are searching for your first business credit card or your fifth, the Ink Business Preferred® Credit Card (see rates and fees) is a good possibility.
The $95 annual charge is a cut price, particularly when in comparison with the favored American Express® Business Gold Card, which prices $375 yearly (see rates and fees), and The Business Platinum Card® from American Express, which has an annual charge of $895 (see rates and fees).
Listed here are 5 the explanation why the Ink Enterprise Most popular may be price including to your pockets.
Spectacular welcome bonus
With the Ink Business Preferred, you will earn 100,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Chase Ultimate Rewards factors are among the many most useful transferable factors round. Actually, the bonus is price $2,050, in keeping with TPG’s February 2026 valuations.
Whereas $8,000 is definitely so much to spend as a person, many small companies can simply hit that bonus. On the finish of the day, you recognize your spending patterns higher than anybody and may assess whether or not the spending requirement for this welcome bonus is achievable.
These 100,000 Chase Final Rewards factors can be utilized for amazing redemptions. For instance, you may switch factors to Virgin Atlantic Flying Club to e book your self round-trip flights to Europe in Delta One business-class suites.
Associated: Chase credit cards: Best time to apply based on offer history
Helpful bonus classes for small companies
Because of the cardboard’s bonus classes, Chase Final Rewards factors are simple to build up.
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You may earn 3 factors per greenback spent on the primary $150,000 in mixed purchases you make every account anniversary 12 months within the following classes:
All other purchases earn 1 level per greenback spent.
When you maximize your bonus spending, you will earn 450,000 Chase Final Rewards factors yearly, price $9,225, in keeping with TPG’s valuations. That is an unimaginable worth, particularly for a card with solely a $95 annual charge.
Associated: Which purchases qualify for 3 points per dollar with the Ink Business Preferred?
Wonderful redemption potential
One of the vital useful features of the Ink Business Preferred is you could switch your factors to any of Chase’s 13 airline and hotel partners. Factors switch to all companions at a 1:1 ratio, and most transactions are instantaneous.
Whenever you take alliance companions under consideration, you get an particularly wide selection of airline choices. Whenever you switch your factors to British Airways Club, for instance, you will have entry to flights from Oneworld alliance members like American Airlines, Finnair and Japan Airlines.
Right here at TPG, we love transferring Chase Ultimate Rewards points to World of Hyatt. It is very simple to maximise the worth you get out of your factors this manner, since Hyatt at present would not use a dynamic pricing system for award nights.
Relying on the precise redemption, it’s also possible to redeem your factors for as much as 1.75 cents every (or as much as 2 cents apiece when you even have the Chase Sapphire Reserve® (see rates and fees) and mix your factors with that account) by the brand new Points Boost characteristic in Chase Travel℠.
Plus, you will accrue frequent flyer miles on any flight bookings made by Chase Journey since they’re handled like another paid ticket.
Cellphone, journey and buy protections
Insurance coverage is not a glamorous matter, however saving cash is — and the Ink Business Preferred can prevent some critical money on this space.
For example, it covers you and your staff in case your cellphone is misplaced or broken. Every individual is roofed for as much as $1,000 in theft or harm per declare, supplied you pay your telephone invoice with that card.
There is a restrict of $3,000 in claims per 12-month interval (as much as three claims per 12 months), with a $100 deductible per declare.
The Ink Enterprise Most popular additionally gives a bunch of journey advantages for the street warrior:
When you hope to by no means want any of the insurance coverage advantages that include your card, understanding you are lined gives peace of thoughts and may prevent cash by letting you skip buying extra insurance coverage or buy safety.
Associated: The best travel insurance policies and providers
Pool your factors with different Chase bank cards
Chase has a number of merchandise which can be primarily cash-back playing cards:
Nevertheless, the rewards from these playing cards may be transformed into transferable factors, supplied you’ve the best card. The Ink Business Preferred Credit Card is likely one of the playing cards that provides you this potential.
Associated: How (and why) to combine your Chase Ultimate Rewards points into a single account
Further advantages
Together with the perks outlined above, the Ink Business Preferred gives different vital advantages:
- Worker playing cards at no further value
- No overseas transaction charges for purchases made outdoors the U.S.
- Zero legal responsibility safety (so you will not be held chargeable for unauthorized costs)
- Fraud safety with real-time account monitoring
- Prolonged guarantee safety (provides a 12 months on eligible U.S. producers’ warranties of three years or much less)
Backside line
For a small-business card, the Ink Enterprise Most popular Credit score Card gives an virtually unbeatable mixture: a robust welcome bonus, beneficiant alternatives to earn factors, the flexibility to switch factors to 13 journey companions and a complete assortment of journey protections.
When you’re contemplating the Ink Enterprise Most popular, do not forget that it falls below Chase’s 5/24 rule. Which means when you’ve opened 5 or extra bank card accounts prior to now two years, you will most likely be declined no matter your creditworthiness. To extend your odds of acceptance, attempt to apply for this card (and different Chase bank cards) earlier than playing cards from different issuers.
For extra info, learn our full review of the Ink Business Preferred.
Apply right here: Ink Business Preferred Credit Card
For charges and charges of the Amex Enterprise Platinum, click on here.
For charges and charges of the Amex Enterprise Gold, click on here.
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