Ink Business Preferred Credit Card

If your business spends on travel, shipping, internet/phone, or social and search ads, the Ink Business Preferred's 3x on those (up to $150,000/year combined) plus a big transferable-points bonus is hard to beat for $95. The cell-phone protection and trip insurance are real money-savers most no-fee business cards skip. Watch two things: it counts toward Chase's 5/24 rule, so if you've opened five-plus cards in 24 months you'll likely be denied, and outside those bonus buckets it's only 1x. Spend $10,000/month across the 3x categories and that's 360,000 points a year; verify the current bonus and APR on Chase's site.

Ink Business Preferred Credit Card at a glance

Rewards & perks

• Points move 1:1 into airline and hotel partner programs
• Stretch points 25% further when booking through Chase Travel
• Includes cell phone protection plus trip cancellation insurance

Pros

• A sizable sign-up bonus
• Points you can transfer to partners
• Solid cell phone and travel protection

Cons

• You need a business to qualify
• Comes with a yearly fee
• Falls under the Chase 5/24 rule

Who should apply

• A real business or side gig qualifies, sole proprietors included
• Personal credit in the good-to-excellent range
• Falls under the Chase 5/24 rule

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Chase site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.