Ink Business Preferred Credit Card

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Chase makes every lending decision.

Annual fee and first-year pricing

ANNUAL FEE $95

Foreign transaction fee

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees. No foreign transaction fees

Redemption options and restrictions

Redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. There are no minimums to redeem your Cash Back rewards points. * Whether it's for yourself, your clients, or your employees – the choice of where to redeem your business rewards is yours. Chase offers over 150 of your favorite gift card brands, including hotels, office supply stores, electronics and more. Earning in the Rewards Program: You'll earn points on purchases of products and services, minus returns or refunds, made with an Ink Business Preferred credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 point: You'll earn 1 point for each $1 spent. 3 points ("3X points"): You'll earn 3 points total for each $1 of the first $150,000 spent each account anniversary year on combined purchases in the following rewards categories: shipping; social media and search engine advertising; travel; internet, cable, and phone services (two additional points on top of the 1 point per $1 earned on each purchase). After $150,000 is spent on combined purchases in these categories each account anniversary year, you go back to earning 1 point for each $1 spent, with no maximum. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQs . For more information about the Ink Business Preferred rewards program, you can see the latest Rewards Program Agreement at chase.com/inkbusinesspreferred/rewardsagreement and it will also be available for cardmembers after logging in to chase.com/ultimaterewards and will be mailed for new or changed accounts. Ways to redeem rewards

Purchase protection and extended warranty

Specific limitations apply to New York residents: Purchase Protection – coverage period is 90 days from the date of purchase.

Recorded from Chase’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.