[ Chase Ink Preferred ] Great Chase UR Point-Earning Card for Small Business Owner

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  • Credit Card Type: Bank rewards card (This is Business Card)
  • Current Offer: Earn 80,000 Ultimate Rewards Points after using your card to make $5,000 in purchases within the first 3 months.
  • Special Offer: None
  • Bonus Category: 3x points for travel/shipping/advertising/internet, cable & phone bill. 1x Points for all other purchases.
  • Annual Fee: $95

Tips:

1. Points earned may be redeemed as cash back at 1 cent/point value. However, transferring points to frequent flyer/hotel partners may get you better value when redeemed for travel purposes since Chase has lots of great airline/hotel program partners.

2. 3x spending bonus has annual cap at the first $150,000 in selected categories.

3. Shipping expenses (USPS/UPS/Fedex) earns 3x spending bonus, which makes this card a perfect fit for small business owners who has lots of goods for shipping to overseas.

4. This card can be product-changed to non-annual fee Chase Ink Cash card.

5. By paying phone bill with this card, you are eligible for this card’s cell phone insurance benefit for up to 3 phones each year ($600 per insured phone). Paying phone bill also earns 3x points per dollar.

Restrictions when you apply:

1. Chase Freedom is under Chase’s “5/24 limitation”, which means if you have opened 5 or more new credit card accounts in the past 24 months, you will not be automatically approved for this card. 

2. Chase allows up to two credit card approvals per day, and credit hard-pull will be combined if applied on the same day. 

3. If you are not automatically approved by Chase, you may call Chase Reconsideration Line: 1-888-270-2127.

Notes:

This card is great for small business owners that may use this card’s 3x spending bonus categories and cell phone benefit. The points can be transferred to travel partners for your future travel. For any one who does resell business with lots of shipping needs, this card is definitely the one to have because of the 3x spending bonus on shipping.


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