Business Owners, It’s Time to Make Your Lives Easier With These 5 Amazing Chase Ink Business Preferred Benefits

INSIDER SECRET: If you’ve got your eye on multiple Chase credit cards, it’s best to apply for their business cards first. You’ll improve your chances of landing multiple approvals because Chase’s business cards do not count towards their strict 5/24 application rule.
If you’re a small business owner, you can probably relate to the pain of having expenses eat away at your profits. Office supplies, cable bills, cell phone bills, marketing material … sometimes it seems like the bills never stop coming!
If you can relate to those feelings, you should consider the Ink Business Preferred Credit Card, because in addition to strong earning rates for many purchases, you’ll receive a number of benefits that can save you a ton of money in the long run, such as cell phone insurance, extended warranty and trip delay coverage.
And if you apply for the card right now, you can earn an intro bonus of 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases within the first three months of account opening. That’s worth $800 in cash back, $1,000 in travel when you book through the Chase Ultimate Rewards travel portal and potentially much more when you transfer points to airline and hotel partners.
You can apply for the Chase Ink Business Preferred here.
Business owners across all industries can take advantage of these five Chase Ink Business Preferred benefits just by being a card member. (Photo by g-stockstudio/Shutterstock)
The card is geared for business owners, but you may already qualify as a business owner without realizing it. You can apply as a sole proprietor using just your social security number.
I’ll walk you through five Chase Ink Business Preferred benefits you’ll get just by being a card holder!
Chase Ink Business Preferred Benefits
Apply Here: Ink Business Preferred Credit Card
Read our review of the Chase Ink Business Preferred

The Ink Business Preferred Credit Card currently has the highest welcome bonus of any Chase Ultimate Rewards card. You’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases within the first three months of account opening.
Chase Ultimate Rewards points are our favorite because they’re incredibly flexible with a number of fantastic redemption options. The Ink Business Preferred welcome bonus is worth $1,000 in travel if you redeem your points through the Chase Travel Portal. But you can also transfer the points to any of Chase’s travel partners and get potentially much more value from flights, rental cars and hotels.
You’ll also earn the following for your purchases:

3x Chase Ultimate Rewards points per dollar you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
1x Chase Ultimate Rewards point per dollar on all other purchases

The $95 annual fee is NOT waived for the first year, but given the great earning rates and perks the card offers, you can easily come out ahead.
Here are some of the top benefits on this card that can save you hundreds, and possibly thousands of dollars!
Cell Phone Protection
Our smartphones are a huge part of our lives. It’s how we stay connected to everyone and keep productive, especially as a business owner.
If you accidentally drop your phone, spill something on it or otherwise damage it, that could mean hours of lost productivity. Time is money, and without insurance, you’d still have to pay several hundred dollars to repair or replace the phone.
Fortunately, the Ink Business Preferred Credit Card has your back with up to $600 in cell phone insurance. You’ll be covered as long as you pay your monthly cell phone bill with the card. Here’s more about the Chase Ink Business Preferred cell phone insurance.
You can read the fine print in Chase’s Guide to Benefits, but here are a few key facts about the coverage:

You can make up to three claims in a 12-month period, each with a $100 deductible
Lost phones are not covered (but stolen phones are)
Covered phones must have been purchased brand new
Coverage includes employees listed on your monthly cell phone bill

Dealing with a cracked screen on your phone is never fun, but with the Ink Business Preferred’s cell phone insurance, you’ll be covered for up to $600 in damage after a $100 deductible. (Photo by Poravute Siriphiroon/Shutterstock)
Primary Rental Car Coverage
Rental car insurance is something you’ll probably be thinking about if you decide to rent a car to explore a new city. But is there a better alternative to the expensive coverage offered through the rental car agencies?
Hopefully, you’ll never have to use this benefit, but if you do you can travel with peace of mind because with the Ink Business Preferred Credit Card, you’ll have primary rental car insurance when you rent a vehicle for business purposes within the US. If you rent a car overseas, you’ll be covered for personal and business car rentals.
As long as you decline the coverage offered by the rental agency, the primary coverage offered through the Ink Business Preferred Credit Card means you’re protected for things like physical damage due to theft or collision to your rental car. And perhaps the best part is that you will NOT have to file a claim with your personal car insurance company.
Hopefully, you’ll never be involved in a car accident, but if you are, you’ll be covered with the Ink Business Preferred’s primary rental car insurance when you rent for business purposes in the US. (Photo by Monkey Business Images/Shutterstock)
And we know it works from first-hand experience because primary rental car insurance saved team member Harlan nearly $700 when he noticed a small ding on his rental car.
Lost Luggage and Trip Interruption Coverage
If you pay for at least part of your trip with the Ink Business Preferred Credit Card, you’ll be covered for up to $5,000 of certain prepaid expenses if your trip is canceled or delayed for a qualifying reason, such as weather, illness or injury. Immediate family members and business owners added to the card will also be covered. That means that if you’re traveling with two other family members, then all three of you could potentially be covered for up to $5,000 each.
The Ink Business Preferred Credit Card also provides coverage for lost luggage. So if your luggage is damaged or lost in transit, you can file a claim through Chase to be reimbursed for the cash value of the items damaged or lost. This coverage is limited to a maximum of $3,000, but items like jewelry, watches, cameras and other electronic equipment are only covered up to a maximum of $500.
Airline lose your luggage? You’ll be covered for a maximum of $3,000 with the Ink Business Preferred’s lost luggage insurance. (Photo by pixelrain/Shutterstock)
Extended Warranty and Purchase Protection
There’s no worse feeling than purchasing something brand new, only to have it stolen or damaged. Fortunately, if you purchased the item with your card, you’ll be covered for 120 days up to $10,000 per claim, with a maximum of $50,000 per account.
Items not covered include animals and living plants, antique items, computer software, items purchased for resale, medical equipment, perishables and more.
A full list of items not covered can be found in Chase’s Guide to Benefits.
Shop with confidence! If you purchase an eligible item and it gets stolen or damaged, you’ll be covered for up to $10,000 per claim for the first 120 days. (Photo by Bobex-73/Shutterstock)
Roadside Dispatch
There’s a little-known perk on your Ink Business Preferred Credit Card. With the Ink Business Preferred Credit Card, you’ll be covered by roadside dispatch. By calling 800-847-2869 and paying a flat fee of ~$65 per service call, the program provides you various services such as:

Towing
Tire change (you must provide a spare tire)
Jump starts for a dead battery
Lockout service
Fuel delivery (up to five gallons)

Having car problems? Don’t fret! The Ink Business Preferred offers you roadside assistance to help you with towing, tire changing, jump starts for a dead battery and more. (Photo by Fotosenmeer/Shutterstock)
Depending on your auto insurance provider, roadside assistance can be quite expensive, so you could save quite a bit of money by relying on the Ink Business Preferred’s roadside dispatch coverage instead.
Bottom Line
The Ink Business Preferred Credit Card comes with a welcome bonus of 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the first three months of opening the account. That’s worth $1,000 in travel booked through the Chase Travel Portal, and easily much more if you transfer the bonus to Chase’s travel partners!
You’ll also enjoy many money-saving perks which can more than offset the $95 annual fee, such as:

Cell phone protection
Primary rental car coverage (when renting for business purposes in the US)
Trip cancellation/trip interruption insurance
Purchase protection
Roadside dispatch

You can apply for the Chase Ink Business Preferred here.
And here are a few additional resources if you’d like to learn more about Chase Ultimate Rewards points:

Chase Ultimate Rewards Review
Chase Points Value
Best Way to Use Chase Points
Chase Transfer Partners
How to Earn Chase Ultimate Rewards Points
How to Setup a Chase Ultimate Rewards Account
How to Transfer Chase Ultimate Rewards Points
Do Chase Ultimate Rewards Points Expire?

To stay updated on the best perks and benefits on a variety of different credit cards, subscribe to the Million Mile Secrets daily email newsletter!

Earn Big Cash Back! The 80,000 Chase Ultimate Rewards Point Bonus From the Ink Business Preferred Is Worth $800

Here at Million Mile Secrets, we’re all about getting Big Travel with miles and points earned from the best travel credit cards.  But even if you’re interested in cold, hard cash, you can earn a huge bonus from the Chase Ink Business Preferred Card.
The Ink Business Preferred is our favorite for small business owners, because its welcome bonus of  80,000 Chase Ultimate Rewards points after meeting minimum spending requirements is the highest of any Chase Ultimate Rewards card.  The bonus is worth $1,000 in paid flights, hotels, car rentals, and activities booked through the Chase Ultimate Rewards travel portal.
That said, if travel isn’t your thing, you can still cash out the bonus and earn a hefty $800 in cash back.  With just one card, you can make a real impact to your small business’ bottom line.
You can apply for the Ink Business Preferred here.
With the Chase Ink Business Preferred, You Can Turn Your Everyday Expenses Into Cold Hard Cash Back for Your Business!
I’ll show you why the Ink Business Preferred is an excellent pick for small business owners who prefer cash back!
The Chase Ink Business Preferred’s Welcome Bonus Is Worth $800 in Cash Back
Apply Here:   Ink Business Preferred Credit Card
Read our review of the Chase Ink Business Preferred

With the Chase Ink Business Preferred card, you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.  When you redeem your points for cash back, they’re worth 1 cent a piece, so the bonus is worth $800 in cash back!
You can reinvest all the cash back you earn back into their business, in the form of advertising, promotions, holiday spending for employees and work parties.  It will also help take sting out of buying supplies, materials, and paying bills with bonus categories catered just for your business.
You’ll also earn 3X Chase Ultimate Rewards points per $1 (worth 3% in cash back) when you make purchases in the below categories (up to a maximum of $150,000 in combined purchases per account anniversary year, then 1X point per $1):

Travel (including airfare, hotel stays, train rides, Uber, Uber Eats, etc.)
Shipping expenses
Internet, cable and phone services
Advertising purchases made with social media sites and search engines

And you’ll earn 1X Chase Ultimate Rewards points per $1 (worth 1% in cash back) on all other purchases.
You can really start to rack up the cash back with the Ink Business Preferred because these bonus categories are common expenses for small businesses.  If you spent the maximum per year in the 3X categories, you’d earn $4,500 in cash back ($150,000 in spending X 3%).  That doesn’t even include the 1% cash back you’d make on any other purchases like supplies and other bills.
Even if your business spends $20,000 in these categories last year, that’s $600 in straight cash you can use for promotional activities, employee recognition perks, etc.  If your business spent $100,000, that’s $3,000 cash back!  The rewards really start to add up as your business grows.
And while there a handful of other business cards, like the Capital One® Spark® Cash for Business, with a higher limited-time welcome bonus, you’ll have to spend a LOT more to meet the full minimum spending requirement.  Here’s our review of the Capital One Spark Cash.
How Do You Know If You’re Eligible for the Ink Business Preferred Card?
Even if you don’t have a full-time business, you might already be eligible to apply for the Ink Business Preferred.  That’s because there are a ton of for-profit activities you may already be doing that qualify you to open a business credit card as a sole proprietor using your social security number.
Use Your Social Security Number to Apply for the Ink Business Preferred If You’re a Sole Proprietor
Business credit cards are great for small business owners, especially sole proprietors, because it helps separate your business spending from personal spending, making it easier to find write-offs and deductions when it comes time to filing taxes.
How to Squeeze Even More Value Out of Your Chase Ultimate Rewards Points
Even though this article is focused around earning cash back for your business, I would be remiss if I didn’t mention how you can get even more value from your Chase Ultimate Rewards points by redeeming them for travel through the Chase Ultimate Rewards Travel Portal or transferring points to Chase’s airline and hotel partners like Hyatt and United Airlines.
Because points from the Ink Business Preferred are worth 1.25 cents each when you redeem them through the Chase Travel Portal, this is a great way to turn your 80,000 Chase Ultimate Rewards into $1,000 in travel. 
And you can get potentially much more value by transferring your Chase Ultimate Rewards points to airline or hotel partners.  For example, I was able to book a $1,200 non-stop flight on United Airlines to Honolulu by transferring only 45,000 Chase Ultimate Rewards points to United Airlines at a 1:1 ratio.
Use Chase Ultimate Rewards Points Earned With Your Ink Business Preferred to Fly to Croatia for Free!
And you can do even better when you transfer points to travel partners for expense Business or First Class flights and fancy hotel stays.
Bottom Line
The Chase Ink Business Preferred Card is a great tool for small business owners who want to earn cash back for their business expenses.  It comes with 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.  That’s worth $800 in cash back!
And you’ll earn 3X Chase Ultimate Rewards points per $1 (worth 3% cash back) on purchases in certain categories including travel, shipping charges, internet, cable, and phone services, as well as advertising on social media and search engines, up to a maximum of $150,000 in combined purchases per account anniversary year, then 1X point per $1 (1% cash back) .  You also earn 1X point per $1 (1% cash back) on every other purchase you make!
If you do want to use your rewards on travel, the Ink Business Preferred lets you do so by redeeming points for travel through the Chase Travel Portal, or by transferring your points to Chase’s airline and hotel partners like British Airways and Marriott.
Small business owners can really the sting out of paying the bills for your small business by using the Ink Business Preferred!
You can apply for the Ink Business Preferred here.

Ink Business Preferred Review: Incredible Bonus and Perks Make This the Very Best Card for Small Business Owners to Earn Chase Ultimate Rewards Points

If you have a small business (even just a side-gig!), the Ink Business Preferred Credit Card should be at the top of your list of cards to get.  It comes with an amazing welcome bonus that can get you a dream vacation, and offers a ton of perks to make your life as a small business owner much, much simpler.
Right now, you can earn an intro bonus of 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months from opening the Ink Business Preferred Credit Card.  That’s worth at least $1,000 in travel when you redeem your points for flights, hotels, rental cars, and more through the Chase Ultimate Rewards Travel Portal.
You’ll also earn bonus points for many purchases like travel, shipping, internet/phone/cable, and advertising.  And you’ll receive loads of valuable perks like cell phone insurance, and many other travel and purchase protections!
You can apply for the Ink Business Preferred Credit Card here.
Don’t Let the Cost of a Trip Hold You Back From Traveling the World. Earning the Ink Business Preferred’s Intro Bonus of 80,000 Chase Ultimate Rewards Points Is Worth at Least $1,000 of Travel!
Here’s more about why the Ink Business Preferred Credit Card can save you time and money as a business owner!
The Ink Business Preferred’s Welcome Bonus Is Worth at Least $1,000 in Travel

Apply Here:   Ink Business Preferred Credit Card

With the Ink Business Preferred Credit Card, you’ll earn 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months from account opening.  That’s worth at least $1,000 in travel if you redeem the points through the Chase Travel Portal, which makes the card’s $95 annual fee very reasonable.
But those points could be worth much, much more!  Chase Ultimate Rewards points are extremely flexible because you can transfer your points to valuable airline and hotel partners.  You could get much more than $1,000 in travel by moving your points to partners like United Airlines and Southwest!
For instance, if you’re eyeing a trip to Seattle, you could transfer 72,000 Chase Ultimate Rewards points to Hyatt for a 6-night stay at the Hyatt House Seattle Downtown, saving you close to ~$1,600 depending on your travel dates.  I recently stayed at this same hotel for 3 nights and paid nothing out of pocket by transferring 36,000 Chase Ultimate Rewards points to Hyatt at a 1:1 transfer ratio.  Without points I would have paid nearly $800!
Cash Rates Can Vary Greatly at Hyatt Hotels Depending on When You’ll Be Staying. But You Won’t Have to Worry About That With Points! I Stayed at This Wonderful Hyatt House in Downtown Seattle, Right Across From the Space Needle, and Saved Nearly $800 Thanks to Chase Ultimate Rewards Points!
You can also transfer your points to airline partners, which is arguably one of the best redemption options.  Team member Meghan transferred just 35,000 Chase Ultimate Rewards points to United Airlines on her flight to Belize, saving her $700.
And there are some even sweeter redemption options.  By transferring 26,000 Chase Ultimate Rewards points to Aer Lingus or British Airways, you could book round-trip flights to Ireland during the off-season from cities like Boston, Chicago, New York, and more!  It’s not unusual for these flights to cost more than $1,000, so if you’re planning a trip to Europe, you could potentially receive over $3,000 in value from the card’s welcome bonus!
How to Earn Points With the Ink Business Preferred Credit Card
As a small business owner, it makes good sense to earn rewards for expenses you run into on a daily basis.  With the Ink Business Preferred Credit Card, you’ll take the sting out of your expenses, because you’ll earn bonus points for many different purchases:

3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
1X Chase Ultimate Rewards points on all other purchases
Up to $600 in cell phone insurance when you pay your cell phone bill with the card
25% bonus when you redeem points through the Chase Ultimate Rewards travel portal

Soften the Blow of Business Expenses by Putting Them on Your Ink Business Preferred Credit Card!
How to Use Chase Ultimate Rewards Points
Chase Ultimate Rewards points are our favorite type of flexible points to earn.  The simplest way to redeem them is through the Chase Ultimate Rewards Travel Portal, where each point is worth 1.25 cents.
But if you’re looking to get even more value out of your points, you can also transfer them to any of Chase’s airline and hotel travel partners.
You can also combine points earned with the Ink Business Preferred with other Chase cards that earn Ultimate Rewards points, and you can do this easily and instantly in your Chase online account.
The Ink Business Preferred Credit Card Earns Flexible Chase Ultimate Rewards Points, Which You Can Redeem for Flights, Hotels, and Rental Cars!
Ink Business Preferred Credit Card Benefits
You can make your life easier by taking advantage of the perks available to you as an Ink Business Preferred cardmember, because these can save you tons of time and money!
Cell Phone Insurance 
The Ink Business Preferred offers up to $600 in cell phone insurance for you and any employees listed on your monthly bill after paying a $100 deductible, so your net savings could be as much as $500.  There’s no separate registration process to be covered.
Now there are some exclusions.  For instance, lost phones are not covered, and covered phones must have been purchased new.  But considering how expensive cell phones are nowadays, this is a fantastic benefit to have and could save you some serious cash if your phone is accidentally damaged!
If You Ever Damage Your Phone, the Ink Business Preferred’s Cell Phone Insurance Could End Up Saving You Several Hundred Dollars in Repair Bills!
Team member Keith has used this perk twice over the past year, saving a total of $264 in repairs!  He saved $85 when he needed to replace the screen on his Apple iPhone 7 Plus, and another $179 for a screen replacement on his Apple iPhone X! 
Primary Rental Car Insurance
The card also provides primary auto rental insurance (CDW) when you rent a car for business purposes as long as you decline the Collision Damage Waiver through the car rental agency.  This can end up saving you a TON of money!
With primary rental car insurance coverage, you typically will not be required to file any insurance claim with your own car insurance company because the credit card insurance will generally pick up the bill for physical damage, towing charges, and damages arising from theft.
Team member Harlan saved nearly $700 thanks to primary rental insurance from his Chase Sapphire Reserve card when his rental car got dinged on the passenger side door!  So instead of paying ~$700 out of pocket, he simply filed a claim with his credit card and had them pick up the bill instead!
Primary Rental Car Coverage Saved Team Member Harlan $700!
Extended Warranty Protection
When you purchase an eligible item with the card, you can receive up to an additional year of warranty coverage, provided the original manufacturer’s warranty is 3 years or less.  This coverage has a cap of $10,000 per claim, and $50,000 per account.
Purchase Protection
With extended warranty protection, if you purchase an item and it ends up being damaged or stolen, you could be covered for up to $10,000 per claim, up to a maximum of $50,000 per account!
This coverage will protect you for 120 days after you originally purchased the item, and can save you some serious cash!
Many different items are covered, although you can find the full list of details and exclusions in Chase’s Guide to Benefits.
Trip Cancellation/Trip Interruption Insurance
If you use the card to pay for your trip, you could be covered for up to $5,000 of expenses if your trip ends up being delayed or cancelled for reasons like weather, illness, or injury.  Immediate family members and business owners also qualify for this coverage!
You’ll also be covered if your luggage is damaged or lost in transit.  Coverage is limited to $3,000, although items like jewelry, watches, cameras, and other electronic equipment are capped at $500.
Finding Out That Your Luggage Was Lost in Transit Is Never Pleasant. But With the Ink Business Preferred, You Could be Reimbursed up to $5,000!
Roadside Dispatch
Instead of paying extra for a membership to AAA, or adding expensive roadside coverage to your auto insurance policy, you’ll have the option of utilizing the card’s roadside dispatch benefit!
By calling 800-847-2869 and paying a flat fee of ~$65, you can take advantage of services such as:

Towing
Tire change (as long as you provide the spare tire)
Jump starts for a dead battery
Lockout service
Fuel delivery (up to 5 gallons)

The Ink Business Preferred Credit Card Comes With Roadside Dispatch, so You’ll Have the Option of Ditching Any Other Roadside Services You May Have Through Your Car Insurance Company!
Is the Ink Business Preferred Card Worth the Annual Fee?
The Ink Business Preferred has a $95 annual fee which is NOT waived for the first year.  However, given that the welcome bonus alone is worth at least $1,000, this makes the card well worth it for virtually everyone!
For most people, the Ink Business Preferred is also worth keeping for the long run.  That’s because the card comes with a ton of perks that could save you some serious cash!  For example, accidentally damaging your phone just once could end up saving you hundreds of dollars thanks to the card’s $600 cell phone insurance.
You might also wind up in the same boat as team member Harlan if your rental car gets damaged.  But with this card’s primary rental car insurance, you could end up saving hundreds, if not thousands of dollars, just by having the credit card insurance cover the bill instead!
Other perks like roadside dispatch, extended warranty, and purchase protections could also wind up saving you many thousands of dollars.
You seriously get a TON of protection with this card, and it’s really a steal at just a $95 annual fee! 
Does the Ink Business Preferred Card Charge Foreign Transaction Fees?
No.
Who Is Eligible for the Ink Business Preferred?
Chase will NOT approve you for this card if you’ve opened 5+ cards from any bank (NOT counting other Chase business cards and business cards from most other banks) in the past 24 months.  Many people refer to this as the “5/24 rule”.
You can follow these instructions to figure out if you’re eligible.
Outside of the 5/24 rule, you’re eligible for this card if you’re a business owner.  Now that doesn’t mean you have to be an officer of a multi-million dollar company.  In fact, you could already be a business owner and not realize it!  Nearly every Million Mile Secrets team member qualified for a Chase Ink card because of their side gigs, like reselling on eBay, running an Airbnb, or managing vacation rentals.
If You Earn ]Income Outside of Your Regular 9 to 5 Job, You’ll Likely Qualify for the Ink Business Preferred Credit Card as a Business Owner! You Can Apply Using Your SSN as a Sole Proprietor
Here is how you can complete a Chase business card application. 
Customer Support for the Ink Business Preferred Credit Card
Chase customer support is available 24/7.  So if you ever have an issue with your card, you can always call them and speak with a live person.
I’ve always found Chase support very friendly and efficient.  In fact, just a few months ago, I had not one, but TWO Chase credit cards stolen right out of my mailbox!  I didn’t find out about this until I was checking my account online around midnight, and saw some charges I did not recognize.  I immediately called Chase to report the fraudulent charges, and to re-issue new cards ASAP.
Having to deal with the fraud was an inconvenience, at best, but the Chase representatives made it extremely easy and everything was sorted out without any additional effort on my part!  Now that’s what I call top notch 24/7 customer service.
Similar Cards to the Ink Business Preferred Credit Card
Apply Here:   Ink Business Cash Credit Card 
Read our review of the Ink Business Cash

Apply Here:   Ink Business Unlimited Credit Card
Read our review of the Ink Business Unlimited

If you’re looking for a card with no annual fee, Chase offers 2 other Ink Business cards with outstanding welcome bonuses.
The Ink Business Cash Credit Card is currently offering a welcome bonus of $500 (50,000 Chase Ultimate Rewards points) after spending $3,000 in purchases within the first 3 months of opening your account. You’ll also earn:

5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% cash back (1X Chase Ultimate Rewards point per $1) on all other purchases

And if you’re looking for an easier approach, the Ink Business Unlimited Credit Card offers an unlimited 1.5% cash back on every purchase for your business, on top of a $500 (50,000 Chase Ultimate Rewards points) intro bonus after you spend $3,000 on purchases in the first 3 months.  There aren’t any categories to keep track of, so it’s a great pick if you’d rather keep it simple.
Bottom Line
You can qualify for the Ink Business Preferred Credit Card even if you don’t have a full-time business.  Most for-profit ventures, like doing yard maintenance, driving for Uber or Lyft, and selling items on eBay are all examples of eligible businesses.
And the intro bonus of 80,000 Chase Ultimate Rewards points after spending $5,000 on purchases in the first 3 months from account opening is worth at least $1,000 in travel.  And potentially more when you transfer your points to valuable travel partners like United Airlines and Hyatt!
If you are a business owner, you should strongly consider the Ink Business Preferred Credit Card.  That’s because as a cardmember, you’ll receive ongoing perks like cell phone insurance, roadside dispatch, trip delay insurance, and purchase protections that can save you hundreds, if not thousands of dollars, even if you only use the perks once.
You can apply for the Ink Business Preferred Credit Card here.

Nearly 100% of the Million Mile Secrets Team Has a Chase Ink Business Credit Card! Are You Missing Out?

Folks on the Million Mile Secrets team love earning valuable Chase Ultimate Rewards points.   These flexible rewards give you PLENTY of redemption options, including the ability to get easy cash back or save on travel.
There are several Chase Ultimate Rewards point earning credit cards.  We love them all.  But I think the Chase Ink business cards are extra special.  Lucrative sign-up bonuses and excellent ongoing bonus spending categories are just a couple of reasons why.
For example, the Ink Business Preferred Credit Card has the largest sign-up bonus among any of cards earning Chase Ultimate Rewards points.  And the Ink Business Cash Credit Card and Ink Business Unlimited Credit Card have extremely valuable offers AND no annual fee!
So it’s no surprise nearly all of our team (7 of us) carry at least one Chase Ink business card.  And while he doesn’t have one at the moment, team member Joseph recently shared why the Ink Business Preferred offer alone is an inspiration to start a business.
Nearly Everyone on the Million Mile Secrets Team Has at Least One Chase Ink Card! I Have All Three!
The Ink Business Preferred consistently ranks at the top of our list for best rewards credit cards.  So it’s the first choice when I recommend a business card to friends and family.  But all 3 offers are excellent, which is why I have each card in my wallet!
Qualify for Chase Small Business Credit Cards
Link:   Step-by-Step: How to Complete a Chase Business Card Application
Before I got started in the miles and points hobby, I had no idea how relatively easy it was to qualify for a small business credit card.  As long as you have a for-profit venture (even a side hustle), chances are you’ll be eligible to take advantage of lucrative small business credit card offers.
For example, a few of us on the team resell items for a profit on sites like Amazon, eBay, and Etsy.  One team member has a home building business.  And in addition to selling items online, I also make money on the side taking drone photos and doing freelance consulting.  I’ve helped friends and family get business cards who are Airbnb hosts, graphic designers, store owners, and much more!
You can apply for business credit cards as a sole proprietor using just your Social Security Number on the application!  That’s how I apply for business cards.  And I currently have 7 small business cards in my wallet.
Be sure to check out our complete guide to completing a Chase business card application for more tips!
Which Chase Ink Card Offer Is Best for You?
Personally, I carry all 3 Chase Ink credit cards in my wallet.  Between the 3, I only have to pay one annual fee and I get access to extremely useful bonus spending categories.  So when I’m making a purchase, I can use the card that earns me the most rewards!  This is how I quickly boost my points balance!  And the 3 cards are considered different card products, which means you’re eligible to earn the sign-up bonus on each version of the Chase Ink!
It depends on your current card inventory, but if you can only choose one of the Chase Ink offers, I’d recommend the Ink Business Preferred.  With this card, you have the ability to transfer points directly to Chase’s airline and hotel partners, including Hyatt, Southwest, Singapore Airlines, United Airlines, and many others!  This gives you a lot of flexibility to use your points to save BIG on travel!
Here’s a review of the 3 Chase Ink card offers.  Keep in mind, the Chase Ink cards are impacted by the Chase “5/24” rule.  Chase will not approve you if you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and these other business cards).
1.   Ink Business Preferred
Apply Here:   Ink Business Preferred Credit Card
Read our review of the Ink Business Preferred

When you open the Chase Ink Business Preferred card, you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.  I used the sign-up bonus to book a Business Class award flight to New Zealand.  Paying cash for the same ticket would have cost more than $4,000!
With this card, you’ll also get:

3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
1X Chase Ultimate Rewards points on all other purchases
Up to $600 in cell phone insurance when you pay your cell phone bill with the card
25% bonus when you redeem points through the Chase Ultimate Rewards travel portal
Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection

The card has a $95 annual fee, which is NOT waived the first year.  I wrote about how I’ve saved a ton of cash with the Ink Business Preferred’s cell phone insurance!
The Ink Business Preferred Cell Phone Insurance Perk Has Come in Handy Twice for Me!
Remember, with this card, you can transfer points directly to Chase’s airline and hotel partners.  And if you already have other Chase Ultimate Rewards cards, you can combine your points to get even more value!
2.   Ink Business Unlimited
Apply Here:   Ink Business Unlimited Credit Card
Read our review of the Ink Business Unlimited

With the Chase Ink Business Unlimited card, you’ll earn a $500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of account opening.  That’s an excellent bonus for a no-annual-fee credit card!
Plus, the Chase Ink Business Unlimited earns 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on every purchase!  And there is no limit to the amount of rewards you can earn!
Normally, you can redeem the Chase Ultimate Rewards points you earn with the Chase Ink Business Unlimited card for 1 cent each as cash back or other rewards.  But if you have other eligible Chase cards, you can move Chase Ultimate Rewards points between any 2 credit cards.
For example, you can move the Chase Ultimate Rewards points you earn with the Chase Ink Business Unlimited to the Chase Sapphire Preferred.  Because both of those cards earn Chase Ultimate Rewards points.  Then, you’ll have the ability to transfer points directly to airline or hotel partners.
The Ink Business Unlimited is a great option for folks who don’t want to bother with memorizing bonus spending categories.  And having no annual fee makes the card very appealing!
3.   Ink Business Cash
Apply Here:   Ink Business Cash Credit Card
Read our review of the Ink Business Cash

The Ink Business Cash Credit Card offers a $500 cash back (50,000 Chase Ultimate Rewards points) welcome bonus after spending $3,000 on purchases in the first 3 months of account opening.
Similar to the Ink Business Unlimited, you can redeem points linked to the Ink Business Cash for cash back or paid travel through the Chase Ultimate Rewards Travel Portal at a rate of 1 cent per point.  So the bonus is worth $500 in cash or travel.
But if you combine your points with any of the below Chase Ultimate Rewards point earning credit cards, you can get significantly more value:

Chase Sapphire Preferred Card:   Points are worth 1.25 cents each, making the welcome bonus worth $625
Chase Sapphire Reserve:   Points are worth 1.5 cents each, making the welcome bonus worth $750
Ink Business Preferred Credit Card:   Points are worth 1.25 cents each, making the welcome bonus worth $625

And even better, if you move your points to one of the cards mentioned above, you’ll be able to transfer them to Chase’s excellent travel partners!
With the Ink Business Cash Credit Card, you’ll earn:

5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1% cash back (1X Chase Ultimate Rewards point per $1) on all other purchases

I use this card to pay my internet bill and shop at office supply stores because earning 5X Chase Ultimate Rewards (or 5% cash back) can really add up during the year!
You’ll Always Find Me at Staples Using My Ink Cash Card so I Can Earn 5X Chase Ultimate Rewards Points (5% Cash Back!)
Bottom Line
Seven of us on the Million Mile Secrets team carry at least one version of the Chase Ink Business card.  Personally, I have all 3 – Ink Business Preferred, Ink Business Cash, and Ink Business Unlimited.  Between all 3 cards, I pay just one annual fee and get access to lots of awesome bonus spending categories.
The Chase Ink Business Preferred is consistently #1 on our list of best credit cards for travel.  The card’s sign-up bonus is the largest among any of cards earning Chase Ultimate Rewards points.  You can earn 80,000 Chase Ultimate Rewards points (worth $800 in cash back or $1,000 in travel) after meeting minimum spending requirements.
The Ink Business Cash and Ink Business Unlimited are extremely popular with readers because they have no annual fee!  And the sign-up bonus on each card is worth $500 in cash back or much more if you combine points to another eligible Chase card!
Thinking of adding a Chase Ink business card to your wallet?  Let us know which one in the comments below!