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Chase Visa

Ink Business Preferred Credit Card

Ink Business Preferred is Chase's transferable-points business card, with 3x on a generous menu (shipping, social/search ads, internet/cable/phone, travel) capped at $150,000 of combined annual spend — enough headroom for most small businesses. The 100,000-point welcome bonus is one of the highest in the Chase lineup and pools with Sapphire cards if you hold both. Worth holding even if you don't use the card daily, just for the annual transfer-partner value the points retain.

See current offer Issuer terms
Ink Business Preferred Credit Card card art
  • Annual fee
    $95
    $7.92/mo equivalent
  • Welcome offer
    100,000 points
    after $8,000 in 3 months
  • Recommended credit
    700-800
    Median 730. See why →

Earning rates

on Chase Ultimate Rewards
  • 3x
    Advertising Social Search
    Cap $150k/yr, then 1x
    Cap $150,000
  • 3x
    Internet Cable Phone
    Cap $150k/yr, then 1x
    Cap $150,000
  • 3x
    Shipping
    Cap $150k/yr, then 1x
    Cap $150,000
  • 3x
    Travel
    Cap $150k/yr, then 1x
    Cap $150,000
  • 1x
    Everything else

Benefits and credits

Lifestyle credits

  • 5x Lyft Points
  • DashPass + DoorDash Credits
    $10/month
    Through 12/31/2027

Purchase and protection benefits

  • Cell Phone Protection
    Up to $1,000
  • Extended Warranty Protection
  • Purchase Protection
    Up to $10,000 · 120d

Travel and purchase coverage

  • Rental car collision damage waiver
    $60,000
    Primary coverage
    Primary, business use
  • Trip cancellation and interruption
    $5,000
    Per trip $10,000

Pricing and fees

Full Pricing and Terms
Purchase APR
17.74% to 26.74%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
17.74% to 26.74%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $15 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Business credit card
  • Pre-qualification
    No pre-qualification tool
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Not disclosed

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

  • Chase Sapphire Preferred card art
    Chase Sapphire Preferred
    Chase · Visa

    The Sapphire Preferred is the entry door to Chase's transferable Ultimate Rewards ecosystem at a $95 annual fee, with 5x on Chase Travel bookings, 3x on dining and online grocery, and a 10% anniversary points boost that compounds over years.

    $95 annual fee
    View card Compare
  • Blue Cash Preferred Card from American Express card art
    Blue Cash Preferred Card from American Express
    Amex

    Blue Cash Preferred is the suburban-grocery-and-streaming card: 6% cash back at U.S.

    $95 annual fee
    View card Compare
  • Chase Freedom Unlimited card art
    Chase Freedom Unlimited
    Chase · Visa

    The Freedom Unlimited is the workhorse no-annual-fee card that quietly earns 1.5% on everything plus elevated rates on dining, drugstores, and Chase Travel.

    $0 annual fee
    View card Compare

Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.