I’m finally eligible for Chase Cards again, and this is the first one on my list


This Chase credit card is amazing value with a 100,000 point bonus and an annual fee of less than $ 100.

For the first time in three years, I can apply for Chase credit cards without worrying about instant denial.

The reason I would have been arrested before is Chase’s 5/24 rule. With Chase credit card applications, you’re almost always automatically turned down if you’ve gotten five or more credit cards in the past 24 months. Since opening a lot of credit cards, I have greatly exceeded this limit.

After a year of sabbatical from credit card applications, I am now beyond the 5/24 mark. To make the most of this opportunity, I looked at all the Chase cards I could get and ranked the ones I liked the most. Choosing which card I would receive first was not difficult – the Chase Ink Business Preferred Credit Card℠ was the clear front runner.

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Why the Chase Ink Business Preferred℠ credit card tops my list

The main selling point of the Chase Ink Business Preferred Credit Card is its huge signup bonus. It offers 100,000 points to new cardholders who spend $ 15,000 on purchases within three months. While $ 15,000 is a high minimum expense, I plan to use the card for some large one-time expenses.

With this card, the points are worth $ 0.0125 each when you redeem them for travel through Chase Ultimate Rewards. On that basis, the bonus is worth at least $ 1,250. It goes even better for Chase Sapphire Reserve® card holders. This card earns you $ 0.015 per point on Chase Travel Exchanges. Since I have the Chase Sapphire Reserve®, I can transfer those 100,000 bonus points to it. This way I get at least $ 1,500 in value.

The Chase Ink Business Preferred℠ credit card also has strong bonus categories, especially since it only costs $ 95 per year. It earns 3 points per dollar on up to $ 150,000 in combined purchases per account year in the following categories:

  • Trip
  • Shipping purchases
  • Internet, cable and telephone services
  • Advertising purchases made with social media sites and search engines

Due to my situation, choosing a Chase card was straightforward. I already have the Chase Sapphire Reserve®, which crosses this off the list. My goal is to earn as many Chase Points as possible, and no card offers more than the Chase Ink Business Preferred℠ credit card.

Chase credit cards alternatives to consider

Maybe the Chase Ink Business Preferred℠ credit card isn’t the card for you. Here are some alternatives to consider, depending on what you’re looking for in a credit card:

  • If you don’t spend $ 15,000 in three months: the Chase Sapphire Preferred® Card ($ 95 annual fee) offers a great signup bonus with a much lower minimum spend. You get 60,000 points after spending $ 4,000 within three months.
  • If you want more travel benefits: The Chase Sapphire Reserve® ($ 550 annual fee) is Chase’s premium travel card. Features include $ 300 annual travel credit, airport lounge access, and Global Entry / TSA Precheck credit.
  • If you want a credit card with no annual fee: the Ink Business Unlimited® credit card does not charge an annual fee. It allows you to get an unlimited 1.5% refund on every purchase and a $ 750 signup bonus when you spend $ 7,500 within three months.

By the way, if you’re not sure if you get a Chase business card because you don’t have a large company, you may still qualify. You may qualify for a business credit card as a sole proprietor, with a business you just started, or with any form of income outside of a job.

Chase has some of the best credit cards around, but she also has one of the strictest enforcement rules. When you can get past Chase’s 5/24 rule, it’s a good idea to make a list of the Chase cards you like. This way, you can choose which ones you want while you are eligible.

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