Chase Ink Business Preferred Credit Card: The Ultimate Business Rewards Card

Bottom line

The Chase Ink Business Preferred card offers exceptional rewards and benefits tailored for business owners, making it a valuable tool for maximizing spending and earning points towards travel and other business expenses.

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At a Glance

	Ink Business Preferred Card
Annual Fee	– $95
Sign up bonus	– Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening
Ongoing rewards	– 1x-3x Points
Foreign transaction fee	– None
APR	– 21.49% – 28.49% based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate
Value of points redeemed	– 1 point = 0.0125 cents
Balance transfer fee	– Either $5 or 5% of the amount of each transfer, whichever is greater.
Additional benefits	– Employee Cards: You can get employee cards at no additional cost and set individual spending limits for each card. – Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses.

Chase Ink Business Preferred® Credit Card: The Ultimate Business Rewards Card

Introduction to the Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Credit Card is one of the best business credit cards available today. Designed for small business owners who want high rewards, flexible redemption options, and premium travel benefits, this card offers an industry-leading welcome bonus, 3X points on key business categories, and travel protections that make it stand out.

With a massive sign-up bonus of 100,000 Chase Ultimate Rewards® points (worth up to $1,250 in travel) and extensive perks like trip cancellation insurance and cellphone protection, the Ink Business Preferred® is a top choice for entrepreneurs looking to maximize their business spending.

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Key Benefits of the Chase Ink Business Preferred® Credit Card

✔ 100,000 Ultimate Rewards® points after spending $8,000 in the first 3 months (worth $1,250 in travel)
✔ 3X points per $1 on travel, shipping, advertising, and internet/cable/phone services (up to $150K per year)
✔ 1X point per $1 on all other purchases
✔ Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®
✔ Transfer points to 14+ airline and hotel partners like United, Southwest, and Hyatt
✔ No foreign transaction fees
✔ Trip cancellation/interruption insurance (up to $5,000 per trip)
✔ Cell phone protection (up to $1,000 per claim)

For a low annual fee of $95, the Ink Business Preferred® provides massive value for business owners who spend heavily in travel, advertising, and business essentials.

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Ink Business Preferred® Rewards & Earning Structure

Welcome Bonus

• Earn 100,000 Ultimate Rewards® points after spending $8,000 in the first 3 months.
• Potential Value:
  • $1,250 in travel via Chase Ultimate Rewards®
  • $1,000 in cash back
  • Even more if transferred to airlines/hotels like United, Southwest, or Hyatt

This is one of the highest sign-up bonuses of any business credit card.

Ongoing Earning Rates

• 3X points on the first $150,000 spent per year in these categories:
  ✔ Travel (airfare, hotels, car rentals)
  ✔ Shipping purchases
  ✔ Internet, cable, and phone services
  ✔ Advertising on social media and search engines (Google Ads, Facebook Ads, etc.)
• 1X point per $1 on all other purchases

For businesses that spend a lot on advertising, shipping, and travel, this card offers huge value compared to other business credit cards.

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Maximizing Chase Ultimate Rewards® Points

The Chase Ink Business Preferred® earns Ultimate Rewards® points, one of the most valuable and flexible rewards programs.

Best Ways to Redeem Chase Ultimate Rewards® Points

✔ 1. Redeem for Travel via Chase Ultimate Rewards® – Points are worth 25% more when booking flights, hotels, and car rentals through the Chase travel portal.
✔ 2. Transfer to Airline & Hotel Partners – Convert points to 14+ travel partners, including:

• United Airlines
• Southwest Airlines
• JetBlue
• Air Canada Aeroplan
• World of Hyatt (one of the best value transfers)
  ✔ 3. Cash Back – Redeem points for statement credits or direct deposits at 1 cent per point.
  ✔ 4. Gift Cards & Shopping – Use points for gift cards, Amazon purchases, and more (not the best value).

Point Transfer Example:

• 100,000 Chase points can be transferred to Hyatt for 4+ free nights at top-tier hotels.
• 100,000 points to United Airlines can cover a round-trip business class ticket to Europe.

By transferring points strategically, you can get way more value than just cashing them out.

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Chase Ink Business Preferred® vs. Other Business Credit Cards

Feature	Chase Ink Business Preferred®	Amex Business Gold	Capital One Spark Miles
Annual Fee	$95	$375	$95
Welcome Bonus	100,000 points	70,000 points	50,000 miles
Best Earning Rate	3X on travel, shipping, ads, phone	4X on top 2 spending categories	2X on all purchases
Point Value for Travel	1.25X via Chase Travel Portal	1X via Amex Travel	1X via Capital One Travel
Transfer Partners	14+ (United, Southwest, Hyatt, etc.)	20+ (Delta, Hilton, etc.)	15+ (Air Canada, Emirates, etc.)
Cell Phone Protection	Yes	No	No
Trip Insurance	Yes	No	No

The Ink Business Preferred® stands out due to its high sign-up bonus, strong 3X earning categories, and valuable travel protections.

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Additional Card Benefits

1. Cell Phone Protection (Up to $1,000 Per Claim)

• Pay your cell phone bill with the card and get $1,000 per claim (up to 3 claims per year).
• Covers theft and damage (great for business owners with employees).

2. Trip Cancellation & Interruption Insurance

• Covers up to $5,000 per trip if it’s canceled due to illness, severe weather, or other covered reasons.

3. Primary Rental Car Insurance

• Use the card to rent a car and get primary coverage for theft and damage (no need for your personal insurance).

4. Purchase Protection & Extended Warranty

• Purchase protection: Covers new purchases against theft or damage (up to $10,000 per claim).
• Extended warranty: Adds an extra year to eligible manufacturer warranties.

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Who Should Get the Chase Ink Business Preferred®?

✔ Small business owners who spend on travel, ads, shipping, and phone services
✔ Frequent travelers who want flexible rewards and premium perks
✔ Businesses that want cell phone protection for employees
✔ Entrepreneurs who want valuable trip protections and purchase benefits

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Bottom Line: Is the Chase Ink Business Preferred® Worth It?

The Chase Ink Business Preferred® Credit Card is one of the best business credit cards on the market due to its:

✔ Huge 100,000-point welcome bonus (worth up to $1,250 in travel)
✔ 3X points on key business categories (ads, shipping, travel, and phone services)
✔ 25% more value on travel redemptions
✔ Access to 14+ airline and hotel partners
✔ Cell phone protection, trip insurance, and purchase protection

For business owners looking to maximize rewards and travel perks, this card is easily worth the $95 annual fee. If you run a business and spend in the right categories, this card is a no-brainer!

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