Ink Business Preferred® Credit Card
This card converts common business overhead into transferable travel points. Travel, shipping, telecom and social media or search advertising earn 3x on the first $150,000 in combined purchases each anniversary year. The welcome offer is 100,000 points after $8,000 in 3 months, the annual fee is $95 and there are no foreign transaction fees. Cell phone protection is built in because phone bills are paid with the card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 100,000 point welcome offer at a $95 fee
- 3x on up to $150,000 a year across advertising, shipping, telecom and travel
- Point transfers to Chase airline and hotel partners, including United MileagePlus® and World of Hyatt®
- Cell phone protection up to $1,000 per claim when the phone bill is paid with the card
- Trip cancellation and interruption insurance up to $5,000 per traveler and $10,000 per trip
- Primary auto rental coverage up to $60,000 when renting for business
- No foreign transaction fees on international purchases and vendors
- Annual fee: $95
- Purchase APR: 17.74% - 26.74% Variable, no intro APR
- Balance transfer APR: 17.74% - 26.74% Variable
- Balance transfer fee: either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, fee either $15 or 5% of each transaction
- Foreign transaction fee: None
- Late payment fee: $40
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business spends on online advertising, shipping, telecom or travel; those lines earn 3x up to $150,000 a year.
- You want a six-figure point bonus without a premium fee; 100,000 points for $8,000 in spend at $95 is the benchmark.
- Your team's phone bills run through the card, which activates cell phone protection worth up to $1,000 per claim.
- You pay international vendors or travel abroad, where the card charges no foreign transaction fee.
- You should skip it if your spending avoids the 3x categories and you never redeem for travel. An Ink cash back card serves that profile better.
Ink Business Preferred® Credit Card Review
The Ink Business Preferred is the travel points engine of the Ink family. Its 3x categories map to how modern businesses actually spend: ads, shipping, telecom and travel. This review covers the earning cap, the transfer partners and one upcoming change to Hyatt transfers.
How You Earn
One 3x tier covers four business categories under a single $150,000 combined annual cap, then everything earns 1x.
- 3x on travel
- 3x on shipping purchases
- 3x on internet, cable and phone services
- 3x on advertising with social media sites and search engines
- 1x on all other purchases, unlimited
- 5x total points on Lyft rides through 9/30/2027
| Category | Earn rate |
|---|---|
| Travel (to $150,000/yr combined) | 3x |
| Shipping (same cap) | 3x |
| Internet, cable, phone services (same cap) | 3x |
| Social media and search engine ads (same cap) | 3x |
| Everything else | 1x |
How You Redeem
Points move to Chase's airline and hotel partners or convert to cash, gift cards and Apple purchases. Chase notes that starting October 1, 2026, transfers to World of Hyatt shift to a 4:3 ratio.
- Transfer partners include Aer Lingus, Aeroplan, British Airways, Flying Blue, Iberia, JetBlue, Singapore Airlines, Southwest, United and Virgin Atlantic, plus IHG®, Marriott Bonvoy® and World of Hyatt®
- Cash back as statement credit or deposit, with no minimum
- Gift cards from over 150 brands and travel booked through Chase Travel
Benefits and Protections
The standout is cell phone protection, rare among business cards, plus real travel coverage.
- Cell phone protection: up to $1,000 per claim, maximum 3 claims in 12 months, $100 deductible, when the monthly bill is paid with the card
- Trip cancellation and interruption insurance: up to $5,000 per traveler, $10,000 per trip
- Primary auto rental coverage up to $60,000 for business rentals
- Purchase protection: 120 days, up to $10,000 per item
- Extended warranty and roadside assistance
- Complimentary DashPass for at least one year plus up to $10 a month in grocery and retail DoorDash promos
Who This Card Is For
This card belongs in any business that buys ads or ships product and wants travel out of it. It also acts as the points hub for the free Ink cards, whose cash back becomes transferable when this card is on the account.
- E-commerce and agency businesses with advertising and shipping spend
- Owners who fly and want transfer partners instead of flat cash
- Multi-card Ink setups using this card as the redemption hub
Comparison
| Feature | Ink Business Preferred® Credit Card | American Express® Business Gold Card | Capital One Venture X Business |
|---|---|---|---|
| Annual Fee | $95 | $375 | $395 |
| Welcome Offer | 100,000 points after $8,000 in 3 months | None shown on issuer page | 150,000 miles after $30,000 in 3 months |
| Rewards Rate | 3x four business categories, $150,000 cap | 4x top 2 categories, $150,000 cap | 2x on everything |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Low-fee business travel points | Auto-adjusting categories | High spend, flat miles |
Issuer Comparison
| Feature | Ink Business Preferred® Credit Card | Ink Business Unlimited® Credit Card | Ink Business Cash® Credit Card |
|---|---|---|---|
| Annual Fee | $95 | $0 | $0 |
| Welcome Offer | 100,000 points after $8,000 in 3 months | $1,000 after $8,000 in 4 months | $1,000 after $8,000 in 4 months |
| Rewards Rate | 3x travel and business categories, capped | 1.5% on everything | 5% office and telecom, 2% gas and dining, capped |
| Key Credits | DashPass 1 year, $10 monthly promo | Instacart+ 3 months, $20 monthly credit | Instacart+ 3 months, $20 monthly credit |
| Best For | Travel points and transfers | Flat-rate simplicity | Office category spend |
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