“Here’s Why I Just Signed-Up My Husband for the Chase Ink Business Preferred”

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“Here’s Why I Just Signed-Up My Husband for the Chase Ink Business Preferred”

Million Mile Secrets“Here’s Why I Just Signed-Up My Husband for the Chase Ink Business Preferred”Million Mile Secrets Team

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The Ink Business Preferred Credit Card currently has the highest sign-up bonus of any Chase Ultimate Rewards card.  You can earn 80,000 Chase Ultimate Rewards points after meeting minimum spending requirements.

Chase Ultimate Rewards points are my favorite kind of points (and many others agree!).  So I’ve asked Million Mile Secrets member Meghan to explain why she got her husband to sign-up for the Ink Business Preferred card!

Meghan:  Thanks, Daraius!  I’ve had my eye on the Ink Business Preferred card for a while, because the sign-up bonus alone is worth at least $1,000 in travel through the Chase Ultimate Rewards Travel Portal.  And potentially much more when you transfer points to valuable airline and hotel partners!

Heres Why I Just Signed Up My Husband For The Chase Ink Business Preferred
My Family Loves Chase Ultimate Rewards Points! And We Plan to Use the Ink Business Preferred Card to Pay for Expenses on Our Vacation Rental!

But I’ve applied for a number of other cards recently, so I decided to get my husband the card instead.  I’ll explain why!

Applying for the Chase Ink Business Preferred Card

In my immediate family, I am the manager of all things points & miles.  So if there’s a great credit card offer, I’m the one that tells suggests to my husband, mom, or sister that they should apply.  Because we’ve always earned and pooled points as a team.

In fact, I’m patiently waiting for that glorious day my now 2-year-old can earn her first big sign-up bonus! 😉

Like Daraius, I love the flexibility that comes with Chase Ultimate Rewards points.  Because you can transfer them to valuable airline and hotel partners for award flights or stays, or book paid travel through the Chase Ultimate Rewards portal with no blackout dates!  And my family earns Chase Ultimate Rewards points all of the time with cards like the Chase Sapphire Reserve, Chase Freedom Unlimited, Ink Business Cash Credit Card, and Ink Plus (no longer available).

Most of the time, I transfer the points we’ve earned to travel partners like United Airlines and Hyatt.  Over the past few years, we’ve saved thousands of dollars on flights to spots like California and Panama, and on hotels in places like Seattle and Puerto Vallarta!

Heres Why I Just Signed Up My Husband For The Chase Ink Business Preferred
Paradise on a Panamanian Beach With My Little Nugget, All Thanks to Chase Ultimate Rewards Points!

But I’ve signed-up for a couple of cards recently, including the Chase IHG card, so I didn’t want to test my luck and get denied.  That’s why I got my husband to apply for the Ink Business Preferred card!

Qualifying for the Chase Ink Business Preferred

Lots of folks might not realize that qualifying for a small business card is really easy.

We have a vacation rental that counts as a small business.  And I do a fair amount of reselling on eBay and Craigslist.  Plus, my husband is under Chase’s 5/24 rule and has a great credit score, so I knew he’d have a decent chance of being approved.  And he was!

That said, Chase DID ask for extra documentation from him regarding the business, like a copy of a business card and proof of the business’ mailing address.  And that has never happened to us when applying for Chase cards in the past!

So be sure you can provide information about your business if needed!  Usually, as long as you have a for-profit venture, even something as small as providing child care or tutoring students, you can open a small business card.

Check out this post about giving yourself the best chance of approval for the Ink Business Preferred card.

Using the Sign-Up Bonus From the Chase Ink Business Preferred

I don’t have any specific plans for the sign-up bonus just yet.  But we fly United Airlines a lot, because they offer lots of flights from our home airport in Missoula, Montana.  So I love having a stash of Chase Ultimate Rewards points I can instantly transfer to United Airlines if needed.

Heres Why I Just Signed Up My Husband For The Chase Ink Business Preferred
All Smiles Overlooking the Beautiful California Coastline While We Were Experiencing Terrible Air Quality at Home in Montana Due to Forest Fires

This past summer we had a few weeks of terrible smoke from surrounding forest fires, and with my stash of Ultimate Rewards points I was able to book our entire family last-minute tickets to California to visit my sister.  Those seats were easily going for nearly $1,000 a piece!

Chase Ink Business Preferred Offer

Link:   Chase Ink Business Preferred

Link:   Review of the Ink Business Preferred

When you open the Chase Ink Business Preferred card, you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.  You’ll also get:

  • 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • 1X Chase Ultimate Rewards points on all other purchases
  • Up to $600 in cell phone insurance when you pay your cell phone bill with the card
  • 25% bonus when you redeem points through the Chase Ultimate Rewards travel portal
  • Primary auto rental insurance (CDW) when renting for business purposes, plus purchase and extended warranty protection

The $95 annual fee is NOT waived the first year.  But I believe the perks of the card are well worth it.

The Ink Business Preferred card is impacted by Chase’s tighter application rules.

So if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months, it’s unlikely you’ll be approved for this card.

Bottom Line

Because of too many recent credit card applications, Million Mile Secrets team member Meghan didn’t think she would be approved for the fantastic 80,000 Chase Ultimate Rewards point sign-up bonus on the Chase Ink Business Preferred card.  But because she manages her family’s points & miles, she decided to get it for her husband instead!

They own a vacation rental and he has good credit, so she knew he’d have a shot at being approved.  And he was!

She doesn’t have a plan for using the bonus quite yet.  But she knows the possibilities are nearly endless, because Chase Ultimate Rewards points are so flexible!

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Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • 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®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I hope you referred your husband from your account so you could collect the 20000 bonus.

@Lonnie – But of course! 😉