Chase Ink Business Preferred Review 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Chase Ink Business Preferred Review 2024","alternativeHeadline":"Chase Ink Business Preferred Review 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/6103fff6ea74d40019b9d229?width=1200&format=jpeg","width":1200,"height":900},"name":"Chase Ink Business Preferred Review 2024","datePublished":"2024-07-19T18:23:23Z","dateModified":"2024-09-19T15:11:49Z","description":"The Chase Ink Business Preferred earns Ultimate Rewards points, which can be used to book travel through Chase or transferred to airlines and hotels.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best business credit cards to consider.If you own a small business and like earning flexible rewards you can use for travel and a wide variety of other redemptions, the Ink Business Preferred® Credit Card is an excellent choice — especially if you don't want to pay a premium price.The Ink Business Preferred® Credit Card has a $95 annual fee, but comes with a bonus and benefits you might expect from premium credit cards that cost a lot more.You'll earn bonus points in common small-business spending categories as well — 3x points on up to $150,000 in combined spending each year (then 1x) on:The Ink Business Preferred® Credit Card earns 1 point per dollar on all other purchases with no spending caps.You'll also get excellent travel and shopping benefits, including cell phone protection, trip cancellation/interruption insurance, primary car rental insurance (when renting for business purposes), extended warranty, and purchase protection.If you're not sure about paying an annual fee, or if the card's bonus categories don't fit your typical spending patterns, there are other Chase rewards business cards that might be a better bet. For example, the no-annual-fee Ink Business Unlimited® Credit Card earns a flat 1.5% cash back (1.5 points per dollar) on all purchases with no limits.Or, consider the Ink Business Cash® Credit Card, which earns 5% back (5 points per dollar) on the first $25,000 spent per year (then 1%) on internet, cable, and phone services and at office supply stores, and 2% back (2 points per dollar) at gas stations and restaurants on up to $25,000 in combined purchases per year (then 1%). Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.$95N/A20.74% - 26.74% VariableEarn 90,000 bonus pointsGood to ExcellentThe Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.New cardholders can now earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening. While you'll have to spend a lot to unlock the bonus, if your business can meet the minimum spending requirement, the rewards you earn are well worth it.Chase points are worth 1.8 cents apiece, based on Business Insider's most recent points and miles valuations — making this bonus worth $1,620, on average.The Ink Business Preferred® Credit Card has an earning structure with generous 3x points earning in several common small-business categories. However, the 3x earning is capped at a total of $150,000 in combined category purchases per year; after that, you'll earn 1 point per dollar.The 3x points categories are:All other purchases earn 1 point per dollar with no limits.The Ink Business Preferred® Credit Card earns transferable Chase Ultimate Rewards points, which you can use in a number of ways. The most popular redemptions are for travel — either by transferring to Chase's airline and hotel partners, or by booking directly through the Chase Ultimate Rewards travel portal.The value you'll get per point when you transfer to partners depends highly on the airline or hotel program and the specific redemption. When you use points from the Ink Business Preferred® Credit Card to book travel through the Chase portal, you'll get a value of 1.25 cents apiece.You'll also get the 1.25 cents per point rate when you use points for statement credits toward eligible purchases through the Chase Pay Yourself Back program. If you're not looking to travel, there are plenty of other ways to redeem Chase Ultimate Rewards points, including:The Ink Business Preferred® Credit Card comes with cellphone protection of up to $1,000 per claim with a $100 deductible, up to three times per year, for every phone line on your bill.As a bonus, this card earns 3x points on wireless bills (up to $150,000 per year in combined purchases with internet, cable, travel, shipping, and search engine or social media advertising purchases, then 1x). Chase offers primary car rental insurance if you rent a car for business purposes using your Ink Business Preferred® Credit Card, which can save you a ton of money when you travel.When you decline the collision insurance offered by the rental company and charge the entire cost of the rental to your card, you're covered for theft and collision damage up to the actual cash value of most vehicles in the U.S. and abroad. However, this doesn't include liability, so you'll have to pay for that separately or carry coverage through your own personal auto insurance policy.If you've made prepaid reservations (like hotels, tours, or airfare) with your Ink Business Preferred® Credit Card and your trip is canceled or interrupted for a covered reason, you may be eligible for reimbursement of up to $5,000 per person and $10,000 per trip.The Ink Business Preferred® Credit Card comes with purchase protection, which covers your new purchases made with the card for 120 days against damage or theft (up to $10,000 per claim and $50,000 per account).Ink Business Preferred® Credit Card cardholders also get extended warranty coverage which extends the time period of a US manufacturer's warranty by an additional year, on eligible warranties of three years or less when you pay with the card.As a cardholder, you'll also have travel and emergency assistance if you need help during your travels. While you will have to cover any third-party costs, a benefits administrator can help arrange what you need during an unexpected event. You'll also get access to a roadside dispatch service, which can arrange help like a tow, jumpstart, or tire change. As with emergency assistance services, you'll be responsible for covering the cost of any services.The Ink Business Preferred® Credit Card has a $95 annual fee, but if you can take advantage of the bonus categories and benefits, it's well worth it. You won't pay foreign transaction fees with the Ink Business Preferred® Credit Card, so it's a good card to take with you overseas or use for paying international vendors.As with most other cards, there are fees for late and returned payments, cash advances, and balance transfers. And if you carry a balance, there's a 20.74% - 26.74% Variable APR.The Ink Business Cash® Credit Card is a sibling card of the Ink Business Preferred® Credit Card with very similar benefits. Here are the primary differences to note:The Ink Business Cash® Credit Card has a $0 annual fee, while the Ink Business Preferred® Credit Card has a $95 annual fee. The Ink Business Cash® Credit Card earns 5% cash back (in the form of 5 Ultimate Rewards points) per dollar at office supply stores and on internet, cable, and phone services; and 2% cash back (2 points) at gas stations and restaurants, on up to $25,000 in combined purchases each year. It earns 1% cash back (1 point) on all other purchases, and all bonus categories beyond the $25,000 annual cap.The Ink Business Cash® Credit Card has a welcome bonus of $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. This card lacks the cellphone protection benefits of the Ink Business Preferred® Credit Card, and charges foreign transaction fees on charges made outside of the U.S. Read more about this card in our Chase Ink Business Cash credit card review.The Ink Business Unlimited® Credit Card is also an extremely popular credit card for small business owners, especially those who value the simplicity of relying on a single card for all business expenses. The Ink Business Unlimited® Credit Card is another $0 annual fee credit card. As with the Ink Business Cash® Credit Card, the Ink Business Unlimited® Credit Card charges foreign transaction fees on purchases made outside of the U.S.The Ink Business Unlimited® Credit Card earns 1.5% cash back in the form of 1.5 Ultimate Rewards points on every dollar spent across any category, with no annual cap on rewards. New cardholders can also earn a welcome bonus of $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Read more about this small business credit card in our Chase Ink Business Unlimited credit card review.The Ink Business Preferred® Credit Card is a small business card, so you must have a business (even a part-time one, or a side gig) to qualify. However, you don't need a formal business structure or LLC to apply — sole proprietors can use their Social Security Number and name as the business name. Chase will also ask for details like business income, years in business, and number of employees, and if you aren't instantly approved, you may need to provide other documentation, like proof of income or tax returns.Usually, people who are approved for the Ink Business Preferred® Credit Card have at least a good credit score (a FICO score of 670 or more). Chase won't just look at your score when it considers your application — it's just one of the factors it looks at.Yes, the policy known as the Chase 5/24 rule applies to the Ink Business Preferred® Credit Card. This means if you've opened five or more cards (from any bank, except some small-business cards) in the past 24 months, you won't be approved. That said, opening the Ink Business Preferred® Credit Card won't add to your 5/24 count — that is, it won't be counted toward the five-card limit in the past 24 months, should you decide to apply for other Chase cards in the future.The Ink Business Preferred® Credit Card is absolutely worth it if you're looking for an all-around business card that earns flexible rewards and has good benefits for a modest annual fee. It's possible to get much more value than the $95 per year the card charges, especially if you use perks like car rental insurance and cell phone protection (both of which can cost a significant amount out-of-pocket if paid for separately).However, if you don't need the flexibility of transferring rewards to airline and hotel partners and typically redeem your points for cash back, gift cards, or merchandise, one of the no-annual-fee Chase business cards (Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card) is probably a better deal for you.No, the Ink Business Preferred® Credit Card doesn't come with airport lounge access. For that, check out the premium Chase Sapphire Reserve® card — here's our Chase Sapphire Reserve credit card review with all the details.The Ink Business Preferred® Credit Card is not a metal card. It's made of plastic.Yes, you can add authorized users (employee cards) to your Ink Business Preferred® Credit Card at no cost. You'll earn points for their purchases, and can adjust spending limits for each card. Just remember, as the business owner and primary account holder, you'll be responsible for all spending made on employee cards.The credit card experts at Business Insider reviewed the Ink Business Preferred® Credit Card in comparison to other small-business cards with similar annual fees and features. We looked at factors that included:For a close look at our methodology, read about how we rate credit cards at Business Insider.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is the Chase Ink Business Preferred hard to get approved for?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Ink Business Preferred® Credit Card is a small business card, so you must have a business (even a part-time one, or a side gig) to qualify. However, you don't need a formal business structure or LLC to apply — sole proprietors can use their Social Security Number and name as the business name. Chase will also ask for details like business income, years in business, and number of employees, and if you aren't instantly approved, you may need to provide other documentation, like proof of income or tax returns.</p>"}},{"@type":"Question","name":"What credit score do I need for the Ink Business Preferred?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Usually, people who are approved for the Ink Business Preferred® Credit Card have at least a good credit score (a <a href=\"https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score\" data-analytics-product-module=\"body_link\" rel=\"\">FICO score</a> of 670 or more). Chase won't just look at your score when it considers your application — it's just one of the factors it looks at.</p>"}},{"@type":"Question","name":"Is the Chase Ink Business Preferred affected by the 5/24 rule?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, the policy known as the <a href=\"https://www.businessinsider.com/personal-finance/credit-cards/what-is-chase-524-rule\" data-analytics-product-module=\"body_link\" rel=\"\">Chase 5/24 rule</a> applies to the Ink Business Preferred® Credit Card. This means if you've opened five or more cards (from any bank, except some small-business cards) in the past 24 months, you won't be approved. That said, opening the Ink Business Preferred® Credit Card won't <em>add</em> to your 5/24 count — that is, it won't be counted toward the five-card limit in the past 24 months, should you decide to apply for other Chase cards in the future.</p>"}},{"@type":"Question","name":"Is the Chase Ink Business Preferred worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Ink Business Preferred® Credit Card is absolutely worth it if you're looking for an all-around business card that earns flexible rewards and has good benefits for a modest annual fee. It's possible to get much more value than the $95 per year the card charges, especially if you use perks like car rental insurance and cell phone protection (both of which can cost a significant amount out-of-pocket if paid for separately).</p><p class=\"faq-answer\">However, if you don't need the flexibility of transferring rewards to airline and hotel partners and typically redeem your points for cash back, gift cards, or merchandise, one of the no-annual-fee Chase business cards (Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card) is probably a better deal for you.</p>"}},{"@type":"Question","name":"Does the Ink Business Preferred have airport lounge access?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, the Ink Business Preferred® Credit Card doesn't come with airport lounge access. For that, check out the premium Chase Sapphire Reserve® card — here's our <a href=\"https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review\" data-analytics-product-module=\"body_link\" rel=\"\">Chase Sapphire Reserve credit card review</a> with all the details.</p>"}},{"@type":"Question","name":"Is the Chase Ink Business Preferred a metal card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Ink Business Preferred® Credit Card is not a metal card. It's made of plastic.</p>"}},{"@type":"Question","name":"Can I add an authorized user to my Chase Ink Business Preferred account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, you can add authorized users (employee cards) to your Ink Business Preferred® Credit Card at no cost. You'll earn points for their purchases, and can adjust spending limits for each card. Just remember, as the business owner and primary account holder, you'll be responsible for all spending made on employee cards.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Ink Business Preferred® Credit Card","image":"https://i.insider.com/6102e55aea74d40019b9af1a?width=400","brand":"Chase","url":"https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review#5e7425f9c48540424e6fabb3","review":[{"@type":"Review","author":[{"@type":"Person","name":"Jasmin Baron","sameAs":"https://www.businessinsider.com/author/jasmin-baron"},{"@type":"Person","name":"Angela 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data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li 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class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Banks </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best personal loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best debt consolidation loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Loans for Bad Credit </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage refinance lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best FHA Lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-heloc-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best HELOC Lenders </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/investing" data-track-click="{"product_field":"pfi_investing","event":"navigation","element_name":"helpfulness_navbar"}" > Investing </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/taxes" data-track-click="{"product_field":"pfi_taxes","event":"navigation","element_name":"helpfulness_navbar"}" > Taxes </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/retirement" data-track-click="{"product_field":"pfi_retirement","event":"navigation","element_name":"helpfulness_navbar"}" > Retirement </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/financial-planning" data-track-click="{"product_field":"pfi_financial_planning","event":"navigation","element_name":"helpfulness_navbar"}" > Financial Planning </a> </div> <div class="hub-nav-link-container hub-nav-link-container-more" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> More </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Get Started </a> </li> <li 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data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Chase Ink Business Preferred Review 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Jasmin Baron" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/jasmin-baron" >Jasmin Baron</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-07-19T18:23:23Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-07-19T18:23:23Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rewards </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#fees" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Fees </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#ink-business-cash®-credit-card-vs.-ink-business-preferred®-credit-card" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#ink-business-unlimited®-credit-card-vs.-ink-business-preferred®-credit-card" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Ink Business Unlimited® Credit Card vs. Ink Business Preferred® Credit Card </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#overview" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overview </a> </li> <li> <a href="#rewards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rewards </a> </li> <li> <a href="#benefits" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a href="#fees" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Fees </a> </li> <li> <a href="#ink-business-cash®-credit-card-vs.-ink-business-preferred®-credit-card" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card </a> </li> <li> <a href="#ink-business-unlimited®-credit-card-vs.-ink-business-preferred®-credit-card" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Ink Business Unlimited® Credit Card vs. Ink Business Preferred® Credit Card </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>The Ink Business Preferred® Credit Card<a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-module="body_link" rel=""></a> offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-analytics-product-module="body_link" rel="">best business credit cards</a> to consider.</p><p>If you own a small business and like earning flexible rewards you can use for travel and a wide variety of other redemptions, the Ink Business Preferred® Credit Card is an excellent choice — especially if you don't want to pay a premium price.</p><h2 data-toc-label="Overview" id="overview" class="toc-anchor">Ink Business Preferred® Credit Card Overview</h2><p>The Ink Business Preferred® Credit Card has a $95 annual fee, but comes with a bonus and benefits you might expect from premium credit cards that cost a lot more.</p><p>You'll earn bonus points in common small-business spending categories as well — 3x points on up to $150,000 in combined spending each year (then 1x) on:</p><ul><li>Shipping purchases</li><li>Advertising purchases on social media sites and search engines</li><li>Internet, cable, and phone services</li><li>Travel (including airfare, hotels, rental cars, and more)</li></ul><p>The Ink Business Preferred® Credit Card earns 1 point per dollar on all other purchases with no spending caps.</p><p>You'll also get excellent travel and shopping benefits, including cell phone protection, trip cancellation/interruption insurance, primary car rental insurance (when renting for business purposes), extended warranty, and purchase protection.</p><p>If you're not sure about paying an annual fee, or if the card's bonus categories don't fit your typical spending patterns, there are other Chase <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-business-cards" data-analytics-product-module="body_link" rel="">rewards business cards</a> that might be a better bet. For example, the no-annual-fee <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Unlimited® Credit Card</a> earns a flat 1.5% cash back (1.5 points per dollar) on all purchases with no limits.</p><p>Or, consider the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Cash® Credit Card</a>, which earns 5% back (5 points per dollar) on the first $25,000 spent per year (then 1%) on internet, cable, and phone services and at office supply stores, and 2% back (2 points per dollar) at gas stations and restaurants on up to $25,000 in combined purchases per year (then 1%). </p> <div id="ink-business-preferred®-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div 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</div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71129-20&h=0b91cb92f8d6c171eddfc5dbca6072d792338683c56c6e97f3ef26ef2bce8bad&platform=browser&postID=669aaf05c79d31931d7dea9b&postSlug=personal-finance%2Fcredit-cards%2Fchase-ink-business-preferred-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26674324" rel="nofollow noindex" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=0b91cb92f8d6c171eddfc5dbca6072d792338683c56c6e97f3ef26ef2bce8bad&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26674324"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6102e55aea74d40019b9af1a?width=400" alt="Chase Ink Business Preferred® Credit Card"> <noscript> <img src="https://i.insider.com/6102e55aea74d40019b9af1a?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e7425f9c48540424e6fabb3-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.27935181948450305"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.27935181948450305)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2626014706107125"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2626014706107125)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.32567529002920037"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.32567529002920037)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.11699665225361167"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.11699665225361167)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.23590987305347966"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.23590987305347966)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$95</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.74% - 26.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">90,000 bonus points after spending $8,000 on purchases in the first three months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 90,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High sign-up bonus</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers 3x bonus points on several spending categories, including travel and advertising purchases</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Includes comprehensive travel coverage</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Welcome bonus has a very high minimum spending requirement</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.</p> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠</li> <li class="financial-product-card__product-details__list-item">Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases</li> <li class="financial-product-card__product-details__list-item">Round-the-clock monitoring for unusual credit card purchases</li> <li class="financial-product-card__product-details__list-item">With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.</li> <li class="financial-product-card__product-details__list-item">Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open</li> <li class="financial-product-card__product-details__list-item">Points are worth 25% more when you redeem for travel through Chase Travel℠</li> <li class="financial-product-card__product-details__list-item">Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 data-toc-label="Rewards" id="rewards" class="toc-anchor">Ink Business Preferred® Credit Card Rewards</h2><h3><strong>Welcome Bonus</strong></h3><p>New cardholders can now earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening. While you'll have to spend a lot to unlock the bonus, if your business can meet the minimum spending requirement, the rewards you earn are well worth it.</p><p>Chase points are worth 1.8 cents apiece, based on Business Insider's most recent <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">points and miles valuations</a> — making this bonus worth $1,620, on average.</p><h3><strong>How to Earn Points on the Ink Business Preferred® Credit Card</strong></h3><p>The Ink Business Preferred® Credit Card has an earning structure with generous 3x points earning in several common small-business categories. However, the 3x earning is capped at a total of $150,000 in combined category purchases per year; after that, you'll earn 1 point per dollar.</p><p>The 3x points categories are:</p><ul><li>Shipping purchases (including couriers, postal and freight shipping companies, express shipping services, and mailbox stores)</li><li>Advertising purchases on social media sites and search engines (social media websites and online search engines that advertise a business, brand, products, or services)</li><li>Internet, cable, and phone services (internet, cable, satellite television and radio, cellular, wireless data, and landline services are included — purchases of equipment are not)</li><li>Travel (a very broad category that includes airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges, and highways, and parking lots and garages)</li></ul><p>All other purchases earn 1 point per dollar with no limits.</p><h3><strong>How to Use Points on the Ink Business Preferred® Credit Card</strong></h3><p>The Ink Business Preferred® Credit Card earns transferable <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards points</a>, which you can use in a number of ways. The most popular redemptions are for travel — either by transferring to Chase's airline and hotel partners, or by booking directly through the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-travel-portal" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards travel portal</a>.</p><p>The value you'll get per point when you transfer to partners depends highly on the airline or hotel program and the specific redemption. When you use points from the Ink Business Preferred® Credit Card to book travel through the Chase portal, you'll get a value of 1.25 cents apiece.</p><p>You'll also get the 1.25 cents per point rate when you use points for statement credits toward eligible purchases through the <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-use-chase-pay-yourself-back" data-analytics-product-module="body_link" rel="">Chase Pay Yourself Back</a> program. </p><p>If you're not looking to travel, there are plenty of other ways to redeem Chase Ultimate Rewards points, including:</p><ul><li>Cash back</li><li>Amazon or Apple purchases</li><li>Gift cards</li><li>Dining experiences and takeout orders with Chase Dining</li><li>Charity donations</li></ul><h2 data-toc-label="Benefits" id="benefits" class="toc-anchor">Ink Business Preferred® Credit Card Benefits and Features</h2><h3><strong>Cellphone Protection</strong></h3><p>The Ink Business Preferred® Credit Card comes with cellphone protection of up to $1,000 per claim with a $100 deductible, up to three times per year, for every phone line on your bill.</p><p>As a bonus, this card earns 3x points on wireless bills (up to $150,000 per year in combined purchases with internet, cable, travel, shipping, and search engine or social media advertising purchases, then 1x). </p><h3><strong>Primary Rental Car Insurance</strong></h3><p>Chase offers primary car rental insurance if you rent a car for business purposes using your Ink Business Preferred® Credit Card, which can save you a ton of money when you travel.</p><p>When you decline the collision insurance offered by the rental company and charge the entire cost of the rental to your card, you're covered for theft and collision damage up to the actual cash value of most vehicles in the U.S. and abroad. However, this doesn't include liability, so you'll have to pay for that separately or carry coverage through your own personal auto insurance policy.</p><h3><strong>Trip Cancellation and Trip Interruption Insurance</strong></h3><p>If you've made prepaid reservations (like hotels, tours, or airfare) with your Ink Business Preferred® Credit Card and your trip is canceled or interrupted for a covered reason, you may be eligible for reimbursement of up to $5,000 per person and $10,000 per trip.</p><h3><strong>Purchase Protection</strong></h3><p>The Ink Business Preferred® Credit Card comes with purchase protection, which covers your new purchases made with the card for 120 days against damage or theft (up to $10,000 per claim and $50,000 per account).</p><h3><strong>Extended Warranty</strong></h3><p>Ink Business Preferred® Credit Card cardholders also get extended warranty coverage which extends the time period of a US manufacturer's warranty by an additional year, on eligible warranties of three years or less when you pay with the card.</p><h3><strong>Travel and Emergency Assistance and Roadside Dispatch</strong></h3><p>As a cardholder, you'll also have travel and emergency assistance if you need help during your travels. While you will have to cover any third-party costs, a benefits administrator can help arrange what you need during an unexpected event. </p><p>You'll also get access to a roadside dispatch service, which can arrange help like a tow, jumpstart, or tire change. As with emergency assistance services, you'll be responsible for covering the cost of any services.</p><h2 data-toc-label="Fees" id="fees" class="toc-anchor">Ink Business Preferred® Credit Card Fees</h2><p>The Ink Business Preferred® Credit Card has a $95 annual fee, but if you can take advantage of the bonus categories and benefits, it's well worth it. You won't pay foreign transaction fees with the Ink Business Preferred® Credit Card, so it's a good card to take with you overseas or use for paying international vendors.</p><p>As with most other cards, there are fees for late and returned payments, cash advances, and balance transfers. And if you carry a balance, there's a 20.74% - 26.74% Variable APR.</p><h2>Compare the Ink Business Preferred® Credit Card</h2><h3 data-toc-label="Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card" id="ink-business-cash®-credit-card-vs.-ink-business-preferred®-credit-card" class="toc-anchor"><strong>Ink Business Cash® Credit Card vs. Ink Business Preferred® Credit Card</strong></h3><p>The Ink Business Cash® Credit Card is a sibling card of the Ink Business Preferred® Credit Card with very similar benefits. Here are the primary differences to note:</p><p>The Ink Business Cash® Credit Card has a $0 annual fee, while the Ink Business Preferred® Credit Card has a $95 annual fee. </p><p>The Ink Business Cash® Credit Card earns 5% cash back (in the form of 5 Ultimate Rewards points) per dollar at office supply stores and on internet, cable, and phone services; and 2% cash back (2 points) at gas stations and restaurants, on up to $25,000 in combined purchases each year. It earns 1% cash back (1 point) on all other purchases, and all bonus categories beyond the $25,000 annual cap.</p><p>The Ink Business Cash® Credit Card has a welcome bonus of $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. This card lacks the cellphone protection benefits of the Ink Business Preferred® Credit Card, and charges foreign transaction fees on charges made outside of the U.S. </p><p><em>Read more about this card in our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Ink Business Cash credit card review</a>.</em></p><h3 data-toc-label="Ink Business Unlimited® Credit Card vs. Ink Business Preferred® Credit Card" id="ink-business-unlimited®-credit-card-vs.-ink-business-preferred®-credit-card" class="toc-anchor"><strong> Ink Business Unlimited® Credit Card vs. Ink Business Preferred® Credit Card</strong></h3><p>The Ink Business Unlimited® Credit Card is also an extremely popular credit card for small business owners, especially those who value the simplicity of relying on a single card for all business expenses. </p><p>The Ink Business Unlimited® Credit Card is another $0 annual fee credit card. As with the Ink Business Cash® Credit Card, the Ink Business Unlimited® Credit Card charges foreign transaction fees on purchases made outside of the U.S.</p><p>The Ink Business Unlimited® Credit Card earns 1.5% cash back in the form of 1.5 Ultimate Rewards points on every dollar spent across any category, with no annual cap on rewards. New cardholders can also earn a welcome bonus of $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. </p><p><em>Read more about this small business credit card in our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Ink Business Unlimited credit card review</a>.</em></p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Chase Ink Business Preferred Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Ink Business Preferred hard to get approved for? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Ink Business Preferred® Credit Card is a small business card, so you must have a business (even a part-time one, or a side gig) to qualify. However, you don't need a formal business structure or LLC to apply — sole proprietors can use their Social Security Number and name as the business name. Chase will also ask for details like business income, years in business, and number of employees, and if you aren't instantly approved, you may need to provide other documentation, like proof of income or tax returns.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do I need for the Ink Business Preferred? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Usually, people who are approved for the Ink Business Preferred® Credit Card have at least a good credit score (a <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-fico-score" data-analytics-product-module="body_link" rel="">FICO score</a> of 670 or more). Chase won't just look at your score when it considers your application — it's just one of the factors it looks at.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Ink Business Preferred affected by the 5/24 rule? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, the policy known as the <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-is-chase-524-rule" data-analytics-product-module="body_link" rel="">Chase 5/24 rule</a> applies to the Ink Business Preferred® Credit Card. This means if you've opened five or more cards (from any bank, except some small-business cards) in the past 24 months, you won't be approved. That said, opening the Ink Business Preferred® Credit Card won't <em>add</em> to your 5/24 count — that is, it won't be counted toward the five-card limit in the past 24 months, should you decide to apply for other Chase cards in the future.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Ink Business Preferred worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Ink Business Preferred® Credit Card is absolutely worth it if you're looking for an all-around business card that earns flexible rewards and has good benefits for a modest annual fee. It's possible to get much more value than the $95 per year the card charges, especially if you use perks like car rental insurance and cell phone protection (both of which can cost a significant amount out-of-pocket if paid for separately).</p> <p class="faq-answer">However, if you don't need the flexibility of transferring rewards to airline and hotel partners and typically redeem your points for cash back, gift cards, or merchandise, one of the no-annual-fee Chase business cards (Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card) is probably a better deal for you.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does the Ink Business Preferred have airport lounge access? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, the Ink Business Preferred® Credit Card doesn't come with airport lounge access. For that, check out the premium Chase Sapphire Reserve® card — here's our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Reserve credit card review</a> with all the details.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Ink Business Preferred a metal card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Ink Business Preferred® Credit Card is not a metal card. It's made of plastic.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I add an authorized user to my Chase Ink Business Preferred account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, you can add authorized users (employee cards) to your Ink Business Preferred® Credit Card at no cost. You'll earn points for their purchases, and can adjust spending limits for each card. Just remember, as the business owner and primary account holder, you'll be responsible for all spending made on employee cards.</p> </div> </div> </div><h2>Why You Should Trust Us: How We Reviewed the Chase Ink Business Preferred</h2><p>The credit card experts at Business Insider reviewed the Ink Business Preferred® Credit Card in comparison to other small-business cards with similar annual fees and features. We looked at factors that included:</p><ul><li><strong>Ease of use —</strong> Is the card's rewards program straightforward? Is it easy to earn and redeem points?</li><li><strong>Rewards earning potential —</strong> Is the welcome bonus offer competitive and worth unlocking? When there are bonus categories, do they apply to most small-business owners?</li><li><strong>Benefits —</strong> Does the card come with built-in benefits that can save business owners time or money?</li><li><strong>Fees — </strong>When there's an annual fee, is it worth paying for the benefits you receive? </li></ul><p>For a close look at our methodology, read about <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="ce2d328f15565da7f299c5512afff997" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> at Business Insider.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/chase-ink-business-preferred-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); 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The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" 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