How to apply for the Chase Ink Business Preferred Card: requirements and steps

Who can apply, including sole proprietors, what the application asks for and what to check before you apply

By Luzia Martins updated in 09/24/2026

Two dark blue Chase Ink Business Preferred Visa credit cards on a gradient background, representing Chase’s business credit card with rewards and expense management benefits.

The Ink Business Preferred® Credit Card from Chase is a business rewards card with a $95 annual fee and 3 points per dollar in common business categories. This guide covers which businesses it suits, what you need to apply, how the application works and how to contact Chase.

The card at a glance

Annual fee: $95
Rewards: 3 points per dollar on the first $150,000 spent each account anniversary year on shipping, social media and search engine advertising, internet, cable and phone services, and travel; 1 point per dollar on everything else
Welcome bonus: 100,000 points after $8,000 in purchases in the first 3 months
Purchase APR: 17.74% to 26.74% variable
Foreign transaction fee: none
Employee cards: no additional cost

Terms checked in September 2026. Chase notes that offers may vary depending on where you apply and can change over time, so confirm the current terms on Chase’s official website before you apply.

Who the card is for

The card suits businesses that spend regularly on shipping, online advertising, telecom services or travel and that pay their balance in full each month. It works best when you can reach the $8,000 bonus requirement through normal business spending.

It’s a weaker fit if your business spends little or mostly outside the bonus categories, since those purchases earn just 1 point per dollar and a no-annual-fee business card may earn you about the same.

Can a sole proprietor apply?

Yes. You don’t need a corporation or an LLC to apply for a Chase business card. Freelancers, independent contractors and other sole proprietors can apply using their Social Security number when the business doesn’t have an Employer Identification Number (EIN).

Information you’ll need to apply

The application asks for information about you and your business. Have this ready:

Your full name, date of birth, home address, Social Security number and personal income
Your business’s legal name, address and phone number
Your business structure, such as sole proprietorship, partnership or corporation
Your EIN, or your Social Security number if you’re a sole proprietor without one
Your business’s industry, years in operation, number of employees and annual revenue

Chase may ask for additional documents if it needs to verify your identity or your business.

How to apply for the Ink Business Preferred® Credit Card

Go to the card’s page on Chase’s official website. If you already have a Chase account, you can sign in to apply faster; if not, you can apply as a guest.
Fill in your personal and business information and review the pricing and terms.
Submit the application and wait for Chase’s decision. Approval is subject to credit review.
If you’re approved, the card is mailed to you. You can then add employee cards and set spending limits for each one.

You can also apply at a Chase branch, but Chase notes that offers can differ depending on where you apply, so compare the welcome bonus before choosing. Submitting an application usually results in a hard inquiry on your personal credit report.

Before you apply

The welcome bonus may not be available if you’ve ever had this card, and Chase may consider factors related to your business when deciding bonus eligibility. As the authorizing officer, you and your business are both responsible for repaying the balance, including charges made on employee cards.

Frequently asked questions

Is there a limit on 3X points?

Yes. You earn 3 points per dollar on the first $150,000 spent each account anniversary year on combined purchases in the bonus categories. After that, those purchases earn 1 point per dollar until your next account anniversary.

Do points expire?

No, as long as your account stays open. You lose your points if the account is closed, including closures for program misuse or fraud.

Can I redeem points for cash?

Yes. You can redeem points for cash back as a statement credit or direct deposit, with no minimum. You can also use them for gift cards and travel, or transfer them to airline and hotel partners.

Did anything change with the Hyatt transfer partner?

Yes. Starting October 1, 2026, Ultimate Rewards points transfer to World of Hyatt at a 4:3 ratio, so 1,000 points become 750 Hyatt points. Check the Ultimate Rewards portal for current ratios with all partners.

Does the card charge foreign transaction fees?

No. You can use it for purchases outside the United States without foreign transaction fees.

Does the card have an intro APR?

No. Interest applies at the standard variable APR on any balance you carry, so it’s best to pay in full each month. Eligible cardmembers can use Chase Pay Over Time® to split purchases of $100 or more into equal monthly payments with a fixed monthly fee.

How to contact Chase

For questions about your card, call the number on the back of your card or Chase business card services at 1-800-242-7338. You can also manage your account, redeem points and send secure messages through Chase online and the Chase Mobile® app.

Our take on the Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card rewards businesses that already spend in its bonus categories, and the flexible points add value if you travel. Before applying, check whether your normal spending can reach the $8,000 bonus requirement and whether the points you’ll earn cover the $95 annual fee. If they don’t, a no-annual-fee business card may serve you better.

The button below takes you to Chase’s official website, where you can review the card and apply.

GO TO OFFICIAL WEBSITE

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