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  1. Credit Cards
  2. Ink Business Preferred® Credit Card
Chase

Ink Business Preferred® Credit Card

The Ink Business Preferred Credit Card is built for small business owners who spend heavily on operational expenses like digital advertising, shipping, and travel. It offers high-value flexible points and robust business protections for a modest $95 annual fee.

Welcome Offer
Earn 100,000 bonus points
Annual Fee
$95
Rec. Credit Score
Good
Good For
Small business growth
Learn MoreEstimate your value
Ink Business Preferred® Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Ink Business Preferred® Credit Card worth it?

This card is great for...

Digital ad spending

Cell phone protection

Primary rental car insurance

For a low $95 annual fee, the Ink Business Preferred delivers exceptional value to business owners who routinely pay for digital advertising, shipping, travel, or utility bills. Earning 3x Ultimate Rewards points on up to $150,000 in combined spending across these core categories makes it one of the most effective business cards on the market. Points can be transferred at a 1:1 ratio to valuable travel partners like Hyatt and United, unlocking far more value than standard cash back. Beyond point earnings, the card includes strong protections like primary auto rental insurance when traveling for business and cell phone protection up to $1,000 per claim. Unless your business spends very little in its core categories or prefers flat-rate cash back, the card easily justifies its annual fee.

MaxRewards

MaxRewards Verdict

The Ink Business Preferred is a top-tier choice for business owners looking to maximize points on operational spending. Its primary barrier is a substantial minimum spend requirement to unlock the welcome bonus.

Welcome Offer

Earn 100,000 bonus points

after you spend $8,000 on purchases in the first 3 months from account opening.

Est. Value

$1,500

Required Spend

$8,000

Time Frame

3 Months

Est. Value

$1,500

Required Spend

$8,000

Time Frame

3 Months

Earning

Rewards

This card earns Chase Ultimate Rewards points with enhanced multipliers across several popular business expense categories.

CategoryRate

Travel, Shipping Purchases, Internet, Cable and Phone Services, Advertising (Social Media Sites and Search Engines)

Up to $150,000 spend per year

4.5%

All Other Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point

Annual Credits & Perks

Benefits

Despite a low annual fee, the card includes valuable safeguards like cell phone coverage and primary car rental protection.

BenefitAnnual value
$120

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Ink Business Preferred® Credit CardDoorDash non-restaurant promo
Autotracked
$0 of $10Every month

Benefits

Insurance

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.


Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.


Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.


Travel Accident Insurance

When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.


Cell Phone Protection

Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.

Benefits

Status & Access

Complimentary DashPass Membership

With DashPass, save on delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$95

Purchase APR

17.74% - 26.74%

Variable

Transfer APR

17.74% - 26.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$15

Late Payment

None

For rates and fees of Ink Business Preferred® Credit Card, please visit the Chase website.

Questions

Frequently Asked Questions

The Ink Business Preferred earns 3x points on purchases made in five key business categories: travel, shipping, internet, cable and phone services, and advertising on social media and search engines. The 3x rate applies to the first $150,000 in combined spending across all five categories each account anniversary year, after which those purchases earn 1x points. Unlike adaptive category systems on some other business cards, you don’t need to manually select categories. Any eligible spending in these five areas automatically earns the bonus rate.

Applying for the Ink Business Preferred won't add to your 5/24 count, since Chase business cards don't appear on your personal credit report. However, Chase still requires you to have opened fewer than five credit cards across any bank in the past 24 months to be approved. This makes it a popular choice for rewards enthusiasts who want to keep earning points without using up one of their 5/24 slots.

Yes, one of the card’s biggest advantages is its ability to pool Ultimate Rewards points with a selection of other Chase cards. Points earned on no-fee Chase cards like the Ink Business Cash and Ink Business Unlimited can be transferred to your Ink Business Preferred, where they can be redeemed for travel at a higher value or transferred to Chase's airline and hotel partners. This makes the Ink Business Preferred a powerful hub card for anyone building a multi-card Chase setup.

Both cards are popular mid-tier business cards with great bonus earning potential, but they take different approaches. The Ink Business Preferred has a lower $95 annual fee and earns 3x points on five fixed business categories, while the Amex Business Gold charges $375 annually but automatically earns 4x points on your top two spending categories each month. The Ink Preferred is the stronger choice for businesses that spend heavily in its set categories and want to keep costs low, while the Business Gold is better suited for businesses with varied or shifting spending patterns that want to maximize points automatically.

Table of Contents

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #1Best Business Credit CardsView list
  • #15Best Travel Credit CardsView list

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Rec. Credit

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