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Ink Business Preferred® Credit Card

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Ink Business Preferred® Credit Card

03/27/24 06:03 pm
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Wondering how a credit card can revolutionize the way you manage your business expenses and travel? The Ink Business Preferred® Credit Card might just be the answer.


Overview of Ink Business Preferred® Credit Card:

The Ink Business Preferred® Credit Card is designed for business owners seeking to maximize rewards on every dollar spent. Here's a quick snapshot:

  • Annual Fee: $95
  • Intro Bonus: 100,000 bonus points after spending $8,000 in the first 3 months
  • Reward Rates: 3x points on travel and select business categories on the first $150,000 spent each account anniversary year; 1x on all other purchases
  • APR: 21.24% - 26.24% Variable


Pros and Cons of Ink Business Preferred® Credit Card:

Every card has its highlights and potential downsides.


  • Substantial Intro Bonus: The ability to earn 100,000 bonus points sets a lucrative precedent.
  • Broad Reward Categories: From travel to telecommunications, earn more where it matters.
  • Enhanced Travel Redemptions: Points are 25% more valuable when redeemed for travel through Chase Travel℠.
  • Comprehensive Coverage: Benefit from trip cancellation insurance, purchase protection, and more.
  • Global Use: No fees on international transactions.


  • Annual Fee: Consider whether the rewards outweigh this cost.
  • Reward Category Caps: The $150K limit on 3x points might limit high spenders.
  • Credit Requirement: Targeted at those with excellent credit scores.
  • High APR: Best for those who can pay off their balance monthly.


Everything Ink Business Preferred® Credit Card Can Do For You:

This card is more than a payment method; it's a business tool designed to reward every aspect of your spending.

  • Unlock More Rewards: Earn significantly in categories like travel, shipping, and advertising. Specific conditions apply to each category.
  • Empower Employees: Allocate employee cards to streamline expense reporting and earn rewards faster. Employee misuse protection included.
  • Travel with Peace of Mind: From trip cancellation to auto rental collision damage waiver, your business trips are covered.


Unique Benefits of Ink Business Preferred® Credit Card:

Dive deeper into what makes this card a standout choice for businesses.


Maximized Rewards for Growth:

Imagine gearing up for a crucial client meeting across the country. Not only does booking your flight through Chase Travel℠ simplify the process, but it also maximizes your points, essentially reducing your travel costs by 25%. And with 3x points on travel, your return flight could be the start of funding your next business trip.


Simplified Expense Management:

Let's say you're launching a marketing campaign. Using the Ink Business Preferred® Credit Card for your advertising spend not only earns you 3x points but also simplifies tracking your campaign expenses. Coupled with the integration into accounting software, it's like having a financial assistant that rewards your business growth efforts.


Tailored Protection Plans:

During a product launch, one of your key sales devices gets stolen. With the Ink Business Preferred® Credit Card, you're covered with up to $10,000 per claim in purchase protection, ensuring your business operations can continue smoothly with minimal disruption.


Efficient Cash Flow Management:

Picture this scenario: Your business is preparing for a significant inventory purchase ahead of the peak season. By leveraging the Ink Business Preferred® Credit Card card, not only do you earn 1x points on these large expenditures, but the card's flexible redemption options mean you can convert those points into valuable rewards. 


Whether it's cash back to reinvest into your business, gift cards for employee incentives, or even saving towards your next business travel through Chase Travel℠, where points are worth 25% more, the card supports efficient cash flow management. 


This adaptability ensures that every dollar spent not only contributes to immediate business needs but also future rewards and savings, making it an indispensable tool for savvy business owners aiming to optimize their financial strategy.


Things to Look Out For:

While packed with features, this card has considerations:

  • Annual Fee: It is essential to calculate if the fee is offset by rewards earned.
  • Category Spending Caps: Businesses spending heavily in the bonus categories may hit the cap.
  • Eligibility: Aimed at businesses with strong credit backgrounds.



For businesses poised to take advantage of its generous reward structure and unique benefits, the Ink Business Preferred® Credit Card is an asset. However, it's crucial to assess if its features align with your business spending patterns and needs.


Ready to leverage every business expense into rewards? The Ink Business Preferred® Credit Card could be your next strategic move.


Editorial Disclaimer: Opinions, reviews, analyses, & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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