Make The Most Of The Ink Business Preferred® Credit Card Bonus Offer

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Make The Most Of The Ink Business Preferred® Credit Card Bonus Offer

07/31/24 12:51 pm

The Ink Business Preferred® Credit Card is currently offering the highest sign-up bonus ever of 120,000 bonus points after spending $8,000 in the first 3 months of card opening.

When considering the spending requirements for the bonus, it's important to factor in the calendar. If you open the card soon after this article is published, your first three months will overlap with the beginning of Q4. This could be advantageous for businesses that experience higher expenditures during this period.

While the card does carry a $95 annual fee, it provides exceptional value through its benefits, particularly in the points-earning potential. One notable advantage is that points redeemed through Chase Travel are worth 25% more, significantly enhancing their value. Read more about the Ink Business Preferred® Credit Card and its other benefits here.

Most purchases with this card earn a standard 1 point per dollar spent. However, there are specific categories that offer more rewards:

Travel
Shipping purchases
Internet, cable, & phone services
Advertising purchases with social media sites and search engines

For the first $150,000 spent annually in these categories, you earn 3 points per dollar. Beyond this limit or on purchases outside these categories, you earn 1 point per dollar spent.

Here's a breakdown of potential earnings for new Ink Business Preferred® Credit Card holders:

Max Out All Bonus Offerings:

Spend the full $150,000 in the 3x categories and at least $8,000 in the first three months. This approach earns you the 120,000 bonus points and 450,000 points from the 3x categories, totaling 570,000 points. Any additional spending, whether in the 3x categories (after reaching the $150,000 cap) or in other categories, will earn you 1 point per dollar with no maximum limit.
- Strategy for those with consistent monthly expenses: Spend $12,500 each month to maximize the 3x category benefits.
- For those with sporadic expenses: Spend a minimum of $8,000 in the first three months to secure the 120,000 bonus points and then allocate $150,000 to the 3x categories throughout the year. This approach suits businesses with irregular spending patterns or significant expenditures at certain times of the year.

Max Out the Bonus Offer Only:

Spend $8,000 in the first three months to earn the 120,000 bonus points. If the $8,000 is spent in the 3x categories, you'll accumulate an additional 24,000 points, bringing your total to 144,000 points. If spent in other categories, you'll earn 8,000 points, totaling 128,000 points.

Customize Your Spending:

Spend a minimum of $8,000 in the first three months to qualify for the 120,000 bonus points, and then spend according to your business needs in the 3x categories throughout the year, up to the $150,000 limit. The total points earned will likely range between 128,000 and 570,000, or potentially higher, depending on your spending patterns and whether you exceed the 3x category cap.

The Ink Business Preferred® Credit Card offers a compelling rewards structure and substantial sign-up bonus for businesses willing to maximize their spending in specific categories. By strategically managing your expenses and leveraging the card’s benefits, you can significantly enhance the value of your rewards, making this card a powerful tool for businesses looking to optimize their credit card benefits.

Editorial Disclaimer: Opinions, reviews, analyses, & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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