Whether or not you are in search of your first business credit card or your fifth, the Ink Business Preferred® Credit Card (see rates and fees) is a good choice.
The $95 annual price is a discount, 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 price of $895 (see rates and fees).
Listed below are 5 the explanation why the Ink Enterprise Most popular could be value 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 worthy transferable factors round. The truth is, the bonus is value $2,050, in accordance with TPG’s February 2026 valuations.
Whereas $8,000 is definitely rather a lot to spend as a person, many small companies can simply hit that bonus. On the finish of the day, you understand 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 would switch factors to Virgin Atlantic Flying Club to ebook 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.
If you happen to maximize your bonus spending, you will earn 450,000 Chase Final Rewards factors yearly, value $9,225, in accordance with TPG’s valuations. That is an unimaginable worth, particularly for a card with solely a $95 annual price.
Associated: Which purchases qualify for 3 points per dollar with the Ink Business Preferred?
Wonderful redemption potential
One of the crucial worthwhile facets of the Ink Business Preferred is that you may 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 into 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’s totally simple to maximise the worth you get out of your factors this manner, since Hyatt presently does not use a dynamic pricing system for award nights.
Relying on the particular redemption, you too can redeem your factors for as much as 1.75 cents every (or as much as 2 cents apiece in the event 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 workers 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 provides a number of journey advantages for the highway warrior:
When you hope to by no means want any of the insurance coverage advantages that include your card, understanding you are coated provides 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 basically cash-back playing cards:
Nevertheless, the rewards from these playing cards could be transformed into transferable factors, supplied you will have the fitting card. The Ink Business Preferred Credit Card is among the playing cards that provides you this capacity.
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 provides different essential advantages:
- Worker playing cards at no further value
- No overseas transaction charges for purchases made exterior the U.S.
- Zero legal responsibility safety (so you will not be held answerable for unauthorized expenses)
- 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 provides an nearly unbeatable mixture: a robust welcome bonus, beneficiant alternatives to earn factors, the power to switch factors to 13 journey companions and a complete assortment of journey protections.
If you happen to’re contemplating the Ink Enterprise Most popular, do not forget that it falls beneath Chase’s 5/24 rule. Meaning in the event you’ve opened 5 or extra bank card accounts previously two years, you will in all probability 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 data, learn our full review of the Ink Business Preferred.
Apply right here: Ink Business Preferred Credit Card
For charges and costs of the Amex Enterprise Platinum, click on here.
For charges and costs of the Amex Enterprise Gold, click on here.
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