Michael Battle, WalletHub Credit Card Analyst
@mikebattle
There are two ways to get a Chase Ink Preferred invitation. The first is to receive an invitation in the mail directly from Chase. The second way to get a Chase Ink Preferred invitation is to get a referral from another business owner who already has the card.
Here’s how to get a Chase Ink Preferred invitation from Chase:
If you receive an invitation to apply for the Chase Ink Preferred by mail, you can either return the application enclosed with the letter or enter the invitation number and your ZIP code online. It’s important to note that not all business owners who receive this mailing will be approved. It’s not clear how selective Chase is about sending these offers out.
The best thing to do is to look at the language used in the mailing. If it says “pre-approved” or “pre-qualified,” your odds of approval should be very high. If it says “pre-selected,” your odds are still good but lower. These three types of offers are actually targeted toward people who the issuer thinks will meet the card’s requirements. On the other hand, if your letter simply says “invitation to apply,” it’s likely not based on credit data and you shouldn’t count on being approved.
How to get an invitation from another business owner:
You can also receive a Chase Ink Preferred invitation if a fellow business owner who has the card invites you to apply. You’ll need to click on the personalized link that they send you or share on social media, then fill out the application from there. If you’re approved for the card, the business owner who referred you will get a bonus of 20,000 points. Unfortunately, you don’t get anything special yourself.
Just remember that this card requires at least good credit, so don’t apply if your score is under 700. You can check your credit score for free on WalletHub to see where you stand.
Ink Business Preferred® Credit Card
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That is not the only way for an invitation for Ink. While my Ink Cash card was not an invite, just a pre-approval when opening a business account, my Ink Preferred and Ink Unlimited were invites via my online account and through email. The first invite happened after about a year and half of opening the Ink Cash. This invitation offered my choice of applying for Ink Preferred or Ink Unlimited. I did, however, make early payments, usually the day the statement came out. I also paid the balance to zero at once during that period. My 2nd invite happened this past fall, which was for Unlimited, the only business card I didn't have. My payment habits did not change, but due to covid I held larger balances and was not able to pay it to a zero balance.