Chase Ink Business Preferred
ChaseQuick Answer
The Chase Ink Business Preferred is the best business card for companies that spend on shipping, advertising, and travel. At $95/year with 3x on $150K in combined categories and 90K bonus points, it delivers exceptional return on business spending.
The Chase Ink Business Preferred credit card is the top choice for small businesses with significant spending in business services, advertising, shipping, and travel. It earns 3x Ultimate Rewards points on the first $150,000 spent per year in combined categories including shipping, advertising purchases (social media and search engines), airfare, hotels, car rentals, internet, cable, and phone services. New cardmembers earn 90,000 points after spending $8,000 in the first three months. What sets the Ink Business Preferred apart is how those points translate into real value. Like the Sapphire Preferred, points transfer at 1:1 to Chase's travel partners including United Airlines, Southwest, Hyatt, and Marriott. For a business that spends $5,000+ monthly across shipping, ads, and travel, the 3x earning rate can generate hundreds of thousands of points per year. The card also provides employee cards at no additional cost with individual spending limits, itemized expense reporting through Chase's expense management tools, and cell phone protection (up to $1,000 per claim). At $95 per year, the card's annual fee is reasonable for the benefits. However, the 3x bonus category cap of $150,000 per year may be limiting for larger businesses. The card also charges a 3% foreign transaction fee, and the $8,000 minimum spend for the welcome bonus is higher than most personal cards. For small to mid-size service-based businesses that spend on advertising and travel, the Ink Business Preferred is the strongest business card on the market.
Key Details
Key Features
- •3x points on shipping, advertising, internet/cable/phone, and travel (up to $150K/yr)
- •90,000-point welcome bonus after $8,000 spend in first 3 months
- •1:1 point transfer to 14+ travel partners including United and Hyatt
- •$95 annual fee with no fee for employee cards
- •Cell phone protection (up to $1,000/claim) and purchase protection
Pros
- +3x points on shipping, advertising, travel, and utilities up to $150K per year
- +90,000-point welcome bonus worth up to $1,125 in travel via Chase partners
- +Points transfer at 1:1 to United, Southwest, Hyatt, and Marriott
- +Employee cards at no cost with individual spending controls and expense reporting
Cons
- −$8,000 spend required for the welcome bonus is a high threshold for new businesses
- −3% foreign transaction fee limits international usability
- −$150,000 annual bonus cap may be restrictive for larger enterprises
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Frequently Asked Questions
Is Chase Ink Business Preferred right for me?
The Chase Ink Business Preferred is the best business card for companies that spend on shipping, advertising, and travel. At $95/year with 3x on $150K in combined categories and 90K bonus points, it delivers exceptional return on business spending.
What are the pros of Chase Ink Business Preferred?
Pros: 3x points on shipping, advertising, travel, and utilities up to $150K per year, 90,000-point welcome bonus worth up to $1,125 in travel via Chase partners, Points transfer at 1:1 to United, Southwest, Hyatt, and Marriott.
What are the cons of Chase Ink Business Preferred?
Cons: $8,000 spend required for the welcome bonus is a high threshold for new businesses, 3% foreign transaction fee limits international usability, $150,000 annual bonus cap may be restrictive for larger enterprises.
Reviewed by Finatune · Last updated 2026-10-23