Chase Ink Business Preferred — Credit Limit, Score & Approval Odds (2026)
The Chase Ink Business Preferred is a business travel business card from Chase.
Based on 13 real reported applications, 77% were approved — median approved FICO 752, median starting limit $26.5k.
Chase Ink Business Preferred credit limit
Typical starting limit — 10 reported approvals
$26.5k
Middle half of reported approvals: $16.3k–$38.8k. Lowest reported $6k, highest $60k. Chase publishes a $5k – $75k range for the card. Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Chase Ink Business Preferred
The issuer generally looks for a credit score of 670+. Approved applicants in our data had a median FICO around 752 (range 700–810).
Chase Ink Business Preferred approval odds
Based on 13 real applications reported for the Chase Ink Business Preferred, 77% were approved.
Approval rate
77%
13 reported apps
Approved
10
3 denied
Typical approved profile
752 FICO · 6% utilization · 2 recent inquiries — medians across 10 reported approvals. Lowest approved score on record: 700.
How the 3 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 670-82 pts vs approved
- Median utilization
- 38%+32 pts vs approved
Score is only part of it — utilization, recent inquiries and account age move the odds too.
Real reported Chase Ink Business Preferred applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Chase Ink Business Preferred welcome bonus
Earn 90,000 pts after you spend $8,000 on purchases in the first 3 months from account opening.
Chase publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Chase Ink Business Preferred APR
The ongoing APR is 21.24%–26.24% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Chase Ink Business Preferred annual fee
The Chase Ink Business Preferred annual fee is $95, billed on the first statement and once a year after that.
Does the Chase Ink Business Preferred count toward 5/24?
No. The Chase Ink Business Preferred is a business card, so it does not add to your 5/24 count once approved. Chase still applies the rule when it decides — you generally need to be under Chase's 5/24 to be approved (business cards don't add to your 5/24 count).
How many Chase Ink cards can you have?
Chase publishes no cap on how many Ink cards one business can hold, and holding more than one is common. What limits you in practice is the total credit Chase has already extended across your accounts, how recently you last applied, and where you stand on 5/24 at the moment of each application.
Deciding between them? Compare all Chase Ink Business cards →
Chase Ink Business Preferred requirements
- Suggested credit score
- 670+
- Min credit history
- 12 months
- Recommended utilization
- under 40%
- Recent hard inquiries
- up to ~5
- Chase 5/24
- Must be under 5/24; doesn't add to your count
- Credit limit range
- $5k – $75k
- Reports to
- Experian, Equifax
Chase Ink Business Preferred approval — FAQ
What credit score do you need for the Chase Ink Business Preferred?
Approved applicants in our data had a median FICO around 752 (range 700–810). The issuer generally looks for 670+.
What is the credit limit for the Chase Ink Business Preferred?
The Chase Ink Business Preferred issues limits from $5k to $75k. Across 10 reported approvals the median starting limit was $26.5k, typically $16.3k–$38.8k.
How to get approved for the Chase Ink Business Preferred?
Aim for a credit score around 670+, keep utilization under 40%, you generally need to be under Chase's 5/24 to be approved (business cards don't add to your 5/24 count), have at least 12 months of credit history. If you're denied, you can request reconsideration at 1-800-453-9719 (24/7).
What are the requirements for the Chase Ink Business Preferred?
Suggested score 670+, at least 12 months of credit history, utilization under 40%, and up to about 5 recent hard inquiries. Reports to Experian, Equifax.
What are the approval odds for the Chase Ink Business Preferred?
Based on 13 real reported Chase Ink Business Preferred applications, 77% were approved. Approved applicants had a median FICO of 752 and 6% utilization. Denied applicants had a median FICO of 670 and 38% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Chase Ink Business Preferred?
Of 13 reported Chase Ink Business Preferred applications in our dataset, 77% were approved — the lowest approved score we have on record is 700.
What is the welcome bonus on the Chase Ink Business Preferred?
Earn 90,000 pts after you spend $8,000 on purchases in the first 3 months from account opening. Chase publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Chase Ink Business Preferred?
The ongoing APR is 21.24%–26.24%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Chase Ink Business Preferred?
The Chase Ink Business Preferred annual fee is $95.
Does the Chase Ink Business Preferred count toward 5/24?
No — the Chase Ink Business Preferred is a business card and does not add to your 5/24 count once approved. Chase still applies the rule when deciding: you generally need to be under Chase's 5/24 to be approved (business cards don't add to your 5/24 count).
How many Chase Ink cards can you have?
Chase publishes no cap on how many Ink cards one business can hold, and holding more than one is common. What limits you in practice is the total credit Chase has already extended across your accounts, how recently you applied, and where you stand on 5/24 at the time of each application.
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Chase Ink Business Preferred?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.