Why Chase Ink Business Preferred Is The Best Small Business Credit Card, with Flexible Points ?

A huge sign-up bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's ( $1,000 toward travel when you redeem through Chase Ultimate Rewards portal), Or $800 cash as statement credit.

Redeem points for travel, cash back, gift cards and more. Or Transfer to airline and hotel programs.

25% boost in point value for travel redemptions.

Earn 3 points per $1 spent on travel, shipping, internet, cable and phone services. Earn 1 point per $1 on all other purchases.

Cell Phone Protection Benefit up to $600 Per Claim, 3 Per Year

Purchase Protection Up To $10,000 Value

Travel protections: Baggage Delay Insurance Benefit up to $500 Value. Trip Delay Insurance Benefit up to $500 Value. Lost Luggage Coverage Benefit Up To $3,000 Value. Trip Cancellation and Trip Interruption Insurance Benefit, Up To $5,000 Value

No foreign transaction fees

Low $95 Annual Fee

Who can apply for a business credit card?

The one thing people don't know is that businesses come in all shape and sizes. Yes, there are corporations and big names, but there are also sole proprietorship.  So, if you sell books on Amazon or eBay, or have a garage sale in your yard, then you are eligible to apply as a sole proprietor under individual established business category. Use your SSN in lieu of EIN number, and use your legal name as the business name. And you are good to go!

Conclusion: The generous $800 ($1000 for travel) sign-up bonus and the card travel and purchase protection benefits simply become a super great value for only a $95 annual fee. There are no restrictions on how long you can keep the card. After the first year, you can downgrade, cancel or keep the card if you enjoy its benefits and they make sense for your travel needs.

The Best Business Credit Card for Your Small Business