ChaseInk Business Preferred

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Two cafe owners proudly stand together — Photo: Vitaly Gariev / Unsplash

Business Cards · United States

Ink Business Preferred Credit Card

4.6 / 5 editorial rating

Best for: Small businesses with ad and travel spend under 5/24

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual fee$95/yr

IssuerChase

NetworkVisa

Purchase APR20.49%–26.49% variable

Foreign transaction feeNone

Credit neededGood to Excellent (700+)

Pros

A sizable sign-up bonus
Points you can transfer to partners
Solid cell phone and travel protection

Cons

You need a business to qualify
Comes with a yearly fee
Falls under the Chase 5/24 rule

Compare USA cards

Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the Ink Business Preferred Credit Card

The Ink Business Preferred is the best choice for a small business that spends on online advertising, shipping and travel, because those costs earn 3x on up to $150,000 a year combined as of September 2026, which is up to 450,000 points from expenses many businesses pay anyway. Internet, cable and phone bills fall into the same 3x group.

The $95 fee is easy to justify at almost any real level of business spending. At a conservative 1 cent per point, 3x returns 3%, so about $4,750 a year in the bonus categories covers the fee compared with a 1% card. That is before the welcome offer Chase currently advertises: 100,000 points after $8,000 in purchases in the first three months, a spending target that suits a business more than a household.

The limits are the 1x rate on everything outside the four categories and the need to have a business to apply. A company whose main costs are inventory or contractor payments will get little from the 3x list. Pairing it with a no-fee 1.5% business card for general purchases is the usual fix, and Chase lets you move those rewards into the same points account.

Good fit if

Your business spends $1,000 or more a month on search and social media advertising
You ship products to customers every week
You travel for work and want points you can move to airline and hotel partners

Skip it if

Most of your business spending is inventory, payroll or supplier invoices that earn 1x
You want simple cash back without managing a points balance

Worked example

Suppose your business spends $1,500 a month on search and social advertising, $400 on shipping, $250 on internet and phone, and $2,000 on other costs. The first three total $2,150 a month, or $25,800 a year, well under the $150,000 cap, earning 77,400 points at 3x. The other $24,000 earns 24,000 points. That is 101,400 points, which we value at a conservative 1 cent each, or $1,014. After the $95 fee you keep $919.

How it stacks up

The Ink Business Cash has no fee and pays 5% at office supply stores and on internet, cable and phone, but only on the first $25,000 a year, and it doesn't reward advertising. The Ink Business Unlimited pays 1.5% on everything for no fee and pairs well with the Preferred, covering the spending that would otherwise earn 1x. Rewards from both no-fee Ink cards can be moved into the Preferred's points account, which lets a business run all three as one points system.

If your business spends on travel, shipping, internet/phone, or social and search ads, the Ink Business Preferred's 3x on those (up to $150,000/year combined) plus a big transferable-points bonus is hard to beat for $95. The cell-phone protection and trip insurance are real money-savers most no-fee business cards skip. Watch two things: it counts toward Chase's 5/24 rule, so if you've opened five-plus cards in 24 months you'll likely be denied, and outside those bonus buckets it's only 1x. Spend $10,000/month across the 3x categories and that's 360,000 points a year; verify the current bonus and APR on Chase's site.