Ink Business Preferred Credit Card

The Ink Business Preferred is Chase's transferable-points business card, earning 3x across a generous menu that covers shipping, social and search ads, internet, cable, and phone, and travel, capped at $150,000 of combined annual spend, which leaves enough headroom for most small businesses. Its 100,000-point welcome bonus is among the highest in the Chase lineup, and the points pool with a Sapphire card if you hold both. It is worth keeping even when you don't use it daily, simply for the transfer-partner value the points retain.

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Ink Business Preferred Credit Card card art

Annual fee

$95

$7.92/mo equivalent
Welcome offer

100,000 points

≈$1,500 at our valuation
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

Conditional

Reports adult AU activity to all three bureaus; does not report minors (under 18).
Issuer policy

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

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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.