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Unveiling the 2023 Chase Ink Business Preferred Credit Card: A Comprehensive Guide

The world of credit cards is vast, but every once in a while, an offer stands out from the crowd. The Chase Ink Business Preferred Credit Card for 2023 is one such offer. With a whopping 100K points welcome bonus and a slew of other benefits, it’s no wonder this card is on everyone’s radar.

Key Features:

  • Welcome Bonus: Earn 100,000 points after meeting the spending requirement.
  • Reduced Spending Requirement: Spend only $8,000 in the first three months to unlock the bonus, down from the previous $15,000 requirement.
  • Business Not Required: You don’t need a formal business to apply. Sole proprietorships or even side gigs can qualify.
  • Reward Categories: Earn multiple points on travel, advertising, internet, and more.
  • Ultimate Rewards: Points can be redeemed for travel, cash back, or transferred to partners.

Why This Card Stands Out:

  • Flexible Application: Apply using your SSN or EIN, making it accessible for various types of earners.
  • Broad Definition of Travel: From airlines to parking garages, earn points on a wide range of travel expenses.
  • Transfer Partners: Partnered with major airlines and hotels, allowing for versatile point usage.
  • No Foreign Transaction Fees: Use this card abroad without worrying about extra charges.
  • Employee Cards at No Additional Cost: Easily track and manage your business expenses.

Things to Consider:

  • 24-Month Rule: You can’t have received a new cardmember bonus for this card in the past 24 months.
  • 5/24 Rule: Be below 5/24 to increase your chances of approval. If approved, it won’t count towards your 5/24 status.
  • $95 Annual Fee: Consider this cost when calculating the card’s overall value for you.

Expert Tips:

  • Timing Your Application: Plan your application around a big purchase you were going to make anyway to help meet the spending requirement.
  • Maximizing Point Value: Use the Chase Ultimate Rewards portal or transfer points to partners for potentially higher value than simple cash back.
  • Reconsideration Line: If initially declined, calling Chase’s reconsideration line might help. They may just need more information or clarification on your application.

In conclusion, the Chase Ink Business Preferred Credit Card for 2023 is a game-changer, especially for those looking to maximize their rewards without having a formal business. Whether you’re a freelancer, a side hustler, or just someone looking to get the most out of their credit card, this might be the perfect fit for you.

Real User Testimonial: “I was initially hesitant because I don’t have a formal business, but the application process was straightforward. I used my SSN and was approved. The rewards are fantastic, and I’ve already booked a trip using the points!” – Sarah, Freelancer

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