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Ink Cash Credit Card: The Best for Earning Points on Business Expenses

For business owners interested in a credit card that can take their spending power up a notch — and earn big rewards while doing it — the Ink Business Preferred Credit Card is a game changer. While it targets entrepreneurs, this card’s 80,000 bonus points after you spend 5,000 in three months in travel rewards when redeemed through Chase Ultimate Rewards® make it an impressive option. Earn 3x points on important business categories such as travel, shipping, internet, cable, phone services, and advertising on social media and search engines; this card makes sure your everyday business costs go further.

What distinguishes the Ink Business Preferred is its flexibility. You can transfer points to top airline and hotel loyalty programs, allowing you to get unique value for your rewards. this card is value-for-money for businesses in all sectors.

Whether you’re an owner of a small business or a larger organization, the Ink Business Preferred Credit Card has the features needed to maximize your spending and protect your investments, and access rewards that can drive business success.

For business owners looking to elevate their spending power while earning substantial rewards, the Ink Business Preferred Credit Card is a true game changer.

The Ink Business Preferred Credit Card: Top 4 Reasons Why This Credit Card Will Be Your Best Friend

  1. Generous Rewards Program: Earn 3x points on your top business spend categories, including travel, shipping and advertising, on the first $150,000 your spend each year. That means every dollar you spend in these categories earns you valuable rewards, whether it be for travel, cashback or gift cards.
  2. A generous sign-up bonus: After you spend $5,000 in the first three months of opening your account, you earn 80,000 bonus points. That bonus alone you get in just the first three months is worth $5,000. This bonus alone gives you 1,000 toward travel rewards, so it’s a great way to get your rewards journey started.
  3. Flexible Redemption Options: Points transfer at a 1:1 ratio to top loyalty programs such as United Airlines, Southwest Airlines and Hyatt, providing you with the flexibility to redeem in the way that makes the most sense for your business.
  4. Cell phone protection: The card covers up to $1,000 per claim for theft or damage of your cell phone, as long as you pay your monthly bill with the card. And this rare benefit can save you hundreds of dollars a year.

Small Disadvantages to Using the Ink Business Preferred Credit Card

Annual Fee: Though $95 is not much compared to an expensive business card, it can still pose a consideration for tighter business budgets such as small businesses and startups. That said, the business card’s rewards and benefits are generally more than worth that price tag, making it a solid investment for many business owners.

Combined purchases: in the 3x points on eligible business categories are limited to $150,000 annually. Although this amount is enough for many small to medium-sized businesses, larger businesses might find this limitation restrictive. But for most users, the card remains a great value.

Ink Business Preferred Credit Card: A Step-By-Step Guide on How to Apply

The application for the Ink Business Preferred Credit Card is a simple one, designed to ensure that business owners can quickly take advantage of its powerful benefits. First, you will need to collect some basic information regarding your business, including your Employer Identification Number (EIN), annual revenue, and years in operation. This card is great for sole proprietors, freelancers, and established businesses alike, so even if you don’t have an EIN, you can apply with your Social Security Number (SSN).

It also has a fully online application process. You’ll need to enter personal and business information, such as your legal business name, contact details and financial information. Chase generally makes a decision on an application within 7-10 business days after submission but some applicants may receive instant approval.

Follow the steps below, and you’ll be on the path to unlocking the Ink Business Preferred Credit Card’s outstanding rewards and perks.

5 Steps to Apply for the Ink Business Preferred Credit Card

  • Get the Necessary Information: Have your business details ready (EIN (or SSN), annual revenue, years in operation, etc.).
  • Go to the Official Chase Website
  • Complete the Application: Input personal and business information, including your legal business name, contact information, and financial information.
  • Double-check it for accuracy, then submit the application online.
  • Wait for Approval: Chase will process your application and usually respond in 7-10 business days.

Best small business credit card of 2025: Ink Business Preferred Credit Card

Notably, the Ink Business Preferred Credit Card is a robust financial tool for business owners looking to maximize spend and rewards. Between the 80k point sign-up bonus, 3x points on key business categories, and flexible points redemption options, this card is second to none for entrepreneurs. Whether it’s for travel, softening advertising costs or dealing with shipping, the Ink Business Preferred helps every dollar you spend do double duty for your business.

A highlight of the card is cell phone protection, an unusual benefit that can save you hundreds a year. The lack of foreign transaction fees also makes this a great card for businesses with international operations. Although the $95 annual fee and cap on bonuses in certain spending categories can be seen as minor drawbacks, the benefits of this card will generally be much better than its drawbacks for most users.

The application process for this Ink Business Preferred Credit Card is straightforward and can be completed quickly ranging from small businesses all the way up to large corporations. By following the above actions you can quickly get the card’s benefits and enjoy the benefits it offers.

So, the Ink Business Preferred Credit Card may be the best card for you, especially if you want wide coverage, effective asset protection, and excellent rewards. So what are you waiting for, take your business to a new level with this incredible card.

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