Chase Ink Business Preferred® Review: Top Travel Rewards for Small Businesses
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Few business credit cards are as competitive as the Chase Ink Business Preferred® Credit Card.
Since its introduction, it has become a staple in the business credit card market with its robust rewards and benefits tailored specifically for small business owners.
The card’s popularity can be attributed to its low annual fee of $95, which is complemented by a substantial welcome offer and valuable earning rates. Cardholders can earn 3 points per dollar on the first $150,000 spent annually in combined purchases across key business categories such as travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines. This makes it an excellent choice for businesses that frequently incur expenses in these areas.
Moreover, the Ink Business Preferred card offers flexibility in redeeming points through the Chase Ultimate Rewards program. You can transfer points to top airline and hotel partners or redeem them for travel at a 25% higher value through the Chase Travel portal. This flexibility, combined with the card’s comprehensive travel protections and purchase benefits, makes it a top choice for business owners who want to maximize their rewards while managing their business expenses effectively.
Here’s a closer look at this card, so you can decide if it’s right for you.
Short answer: As of September 2026, the Ink Business Preferred® Credit Card offers 100,000 bonus points after $8,000 in purchases in the first 3 months. It has a $95 annual fee, no foreign transaction fees, and earns 3 points per dollar on the first $150,000 a year in travel, shipping, internet, cable, phone and advertising purchases. Chase's 5/24 rule applies.
Chase Ink Business Preferred welcome offer
Ink Business Preferred® Credit Card
Maximize Business Travel Rewards with the Chase Ink Business Preferred® Credit Card
- 100,000 bonus points after spending $8,000 in the first 3 months
- 3X points per $1 on the first $150,000 spent on travel and select business categories annually
- 1X point per $1 on all other purchases
- 1:1 transfers to leading airline and hotel loyalty programs
- Primary rental car coverage and trip cancellation/interruption protection
- $95 annual fee
- No foreign transaction fees
Reward everyday business spend—from shipping and advertising to telecom and travel—with elevated earning rates and seamless redemptions. Combine points across your Chase portfolio, redeem them through Chase Travel℠ at 1¢ each (up to 1.5x with Points Boost on top-booked hotels and select airlines), or transfer them to more than a dozen top loyalty partners. Stay in control with an intuitive dashboard, real‑time alerts and powerful digital tools built for busy entrepreneurs.
Terms apply. Bonus points require $8,000 spend in 3 months. 3X applies to the first $150,000 in combined bonus-category purchases each account anniversary year. See issuer for full details.
- Annual fee
- $95
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,050Total$2,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $2,050
- Welcome offerAfter $8,000 in 3 months
- 100,000 points
Apply Now
on Chase's website
Chase Ink Business Preferred earning rates
As a Chase Ink Business Preferred cardholder, you earn bonus points on popular purchases. Here’s a look at its earning rates:
- 3 points per dollar: Shipping purchases; advertising purchases made with social media sites and search engines; internet, cable and phone services and travel (on the first $150,000 spent in combined purchases each account anniversary year).
- 1 point per dollar: All other purchases.
These are solid earning rates given the card’s relatively low $95 annual fee.
Chase Ink Business Preferred benefits
The Chase Ink Business Preferred Credit Card is primarily designed for earning points, making it an excellent choice for small business owners who want to maximize their rewards on everyday business expenses. While it doesn’t offer extensive travel benefits like airport lounge access, it provides a robust set of features that make it valuable for earning points for future travel or other rewards.
Key benefits
- Flexible redemptions for cash back, gift cards, travel experiences and more through Chase Ultimate Rewards. Your points are worth 25% more when redeemed for travel through the Chase Travel portal, but we still recommend strategically transferring your points to Chase’s travel partners to maximize your rewards.
- No foreign transaction fees.
Travel protections and perks
- Trip cancellation and interruption insurance: Provides coverage for nonrefundable travel expenses if your trip is canceled or cut short due to covered reasons.
- Auto rental collision damage waiver: Offers primary coverage for eligible business rental cars when you decline the rental company’s collision insurance.
- Cell phone protection: Up to $1,000 per claim for theft or damage when you pay your phone bill with the card (3 claims/year; $100 deductible).
- Purchase protection: Covers damage or theft of eligible items for 120 days, up to $10,000 per item.
- Extended warranty: Adds one year to eligible U.S. warranties of three years or less.
Note that you must charge your flights or other travel expenses to your Chase Ink Business Preferred Credit Card to be eligible for most of these protections. Refer to the card’s benefits guide for more information.
Chase Ultimate Rewards
You can redeem Chase Ultimate Rewards points for:
- Travel bookings through Chase Travel at 1.25 cents per point with the Chase Ink Business Preferred.
- Transfers to 14 airline and hotel partners (often a better value).
- Gift cards at 1 cent per point (or more during promotions).
- Statement credit at 1 cent per point.
Transferring Chase Ultimate Rewards points and sweet spots
Chase Ultimate Rewards points are among the most flexible thanks to the program’s 14 transfer partners. Of these 14, three are hotel loyalty programs and the other 11 are airline loyalty programs.
For American Airlines flights:
- Transfer to British Airways Executive Club: Book American Airlines and Alaska Airlines flights for as few as 12,000 Avios in economy class. British Airways has a distance-based award chart and charges per leg, so connecting itineraries cost more than nonstop flights.
For United Airlines flights:
- Transfer to Air Canada Aeroplan: Book United flights starting at 6,000 points for flights under 500 miles. Longer flights cost more miles — check out our guide to Air Canada Aeroplan for more information.
- Transfer to United MileagePlus: United’s loyalty program prices awards dynamically, so there’s no set award chart. But you can often find good deals on off-peak domestic flights.
For Delta Air Lines flights:
- Transfer to Air France-KLM Flying Blue: There’s no published award chart, but you can often find solid deals on Delta flights booked with Flying Blue. One of our favorites is flights from the US mainland to Hawaii for 18,500 Flying Blue miles one-way plus $26.22 in taxes and fees.
- Transfer to Virgin Atlantic Flying Club: Virgin Atlantic has a distance-based award chart for Delta flights. These start at 7,500 points for flights 500 miles or shorter.
Here are some of our favorite ways to use Chase Ultimate Rewards points by leveraging its partner program sweet spots:
- Air Canada Aeroplan: Add a stopover to any Aeroplan award ticket for 5,000 bonus miles. For example, you can fly from New York’s John F. Kennedy International Airport (JFK) to Frankfurt (FRA) with a stop in London Heathrow Airport (LHR). Transatlantic flights from the US start at 60,000 miles in business class.
- Air France-KLM Flying Blue for flights to Europe: Flights from the US to Europe start at 25,000 miles in economy, 40,000 miles in premium economy and 60,000 miles in business class. Expect to pay no more than $300 each way on business class awards and less on economy and premium economy awards.
- Iberia Plus: Like British Airways, Iberia’s Plus loyalty program also uses Avios. The best deals are on off-peak business class flights from Boston Logan International Airport (BOS), Chicago O’Hare International Airport (ORD) and JFK to Adolfo Suárez Madrid–Barajas Airport (MAD) for just 34,000 Avios plus moderate taxes and fees.
- Virgin Atlantic Flying Club: Book one-way flights from the US to London for as few as 6,000 miles plus moderate taxes and fees.
- World of Hyatt for hotel stays: This loyalty program has a standard award chart with free nights starting at just 3,500 points per night. You can book everything from no-frills Hyatt Place properties to ultra-high-end Park Hyatts with Hyatt points. Note that as of October 1, 2026, the Ink Business Preferred transfers to World of Hyatt at a 4:3 ratio rather than 1:1; the Chase Sapphire Reserve and Sapphire Reserve for Business keep the 1:1 ratio.
Cards comparable to the Chase Ink Business Preferred
If you’re considering alternatives to the Chase Ink Business Preferred, several premium business cards offer competitive rewards, credits, and travel perks. Here’s a closer look at three standout options: the Capital One Venture X Business, The Business Platinum Card from American Express and the Business Gold Card from American Express.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $95 | |||
| $395 | |||
| $375 | |||
| $895 |
Capital One Venture X Business
Elevate Your Business Travel with the Capital One Venture X Business Card
- 150,000 bonus miles after $30,000 in purchases within 3 months
- 10X miles on hotels and rental cars booked through Capital One Travel
- 5X miles on flights and vacation rentals booked through Capital One Travel
- 2X miles on all other purchases, everywhere
- $300 annual travel credit for bookings through Capital One Travel
- $120 statement credit for TSA PreCheck® or Global Entry® application fee
- Unlimited lounge access at 1,300+ Priority Pass and Capital One lounges
- $100 experience credit on Premier Collection hotel and vacation rental bookings
- No foreign transaction fees
- $395 annual fee
- Charge card: pay your balance in full each month
This card is tailored for business owners who value premium travel perks and powerful earning rates. Flexibly redeem miles through Capital One Travel or transfer to leading airline and hotel partners. Between generous credits, lounge access and elevated rewards, you’ll more than offset the annual fee and enjoy a seamless global journey.
Terms apply. Welcome bonus and credits require minimum spending. See issuer’s site for full details.
- Annual fee
- $395
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$6,550Total$6,550Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $6,550
- Welcome offerAfter $120,000 in 4 months
- Up to 300,000 miles
Apply Now
on Capital One's website
The Business Platinum Card® from American Express
Unlock Premium Business Travel Benefits with The Business Platinum Card® from American Express
Elevated Welcome Offer: Earn up to 300,000 Membership Rewards® points after you spend $20,000 in eligible purchases within the first 3 months of Card Membership!
The Business Platinum Card® from American Express delivers exceptional value that can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds. With this premium business card, you’ll enjoy:
- Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection®
- Up to $600 in statement credits annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings
- Up to $200 Airline Fee Credit with your selected qualifying airline
- Up to $200 back annually on eligible Hilton purchases (for Hilton For Business members)
- Up to $209 back annually on CLEAR® Plus Membership
- Up to $1,150 in Dell Technologies credits ($150 statement credit plus an additional $1,000 after spending $5,000+)
- $250 Adobe credit after spending $600+ per calendar year
- Up to $360 back annually for purchases with Indeed
- Up to $120 back annually for wireless telephone services
Business Platinum cardholders earn 5X points on flights and prepaid hotels on AmexTravel.com, 2X points on select business categories and eligible purchases of $5,000 or more (up to $2 million per calendar year), and 1X points on other eligible purchases.
With a flexible spending limit that adapts based on your purchase, payment and credit history, The Business Platinum Card® is designed to support your growing business needs.
- Annual fee
- $895
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$5,700Total$5,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $5,700
- Welcome offerAfter $20,000 in 3 months
- 300,000 points
Apply Now
on American Express's website
American Express Business Gold Card
Unlock Customized Rewards with the American Express Business Gold Card
- 200,000 Membership Rewards® points after $15,000 in purchases within the first 3 months
- 4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
- 1X point on all other purchases
- $20 statement credits each month for eligible U.S. spending at FedEx, Grubhub and office supply stores (up to $240 per year)
- $12.95 monthly credit for Walmart+ membership (enrollment required)
- $375 annual fee
Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.
Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.
- Annual fee
- $375
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,800Total$3,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $3,800
- Welcome offerAfter $15,000 in 3 months
- 200,000 points
Apply Now
on American Express's website
Is the Chase Ink Business Preferred worth it?
The Chase Ink Business Preferred Credit Card is a solid choice for small business owners that offers excellent value with a modest $95 annual fee, a generous welcome offer (that’s often worth over $1,000), and 3 points per dollar on key business categories. Its flexible redemption options and robust travel protections make it a worthwhile option for businesses looking to earn and save effectively.
Bottom line
The Chase Ink Business Preferred Credit Card stands out as one of the most competitive business credit cards on the market and offers excellent value for its $95 annual fee. With a substantial welcome offer, lucrative earning rates on essential business categories, and flexible redemption options, it’s a top choice for small business owners looking to maximize rewards.
While it lacks premium travel perks like lounge access, its strong points-earning potential, travel protections, and versatility make it an excellent tool for managing business expenses effectively while quickly earning points.
- Annual fee
- $95
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,050Total$2,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $2,050
- Welcome offerAfter $8,000 in 3 months
- 100,000 points
Apply Now
on Chase's website
FAQs – Chase Ink Business Preferred® Credit Card
What is the current welcome offer for the Chase Ink Business Preferred® Credit Card?
As of September 2026, the card offers 100,000 bonus points after you spend $8,000 in the first 3 months from account opening. Transfer partners usually get more value from those points than a cash redemption.
How much is the annual fee for the Chase Ink Business Preferred®?
The card has a $95 annual fee, which is not waived in the first year. Given its strong earning potential and redemption flexibility, the fee offers good value for small business owners.
How can I redeem points earned with this card?
Points can be redeemed through Chase Travel at 1.25 cents per point, or transferred to 14 travel partners including World of Hyatt, United, Air Canada Aeroplan, and Flying Blue for outsized value.
Does the Chase Ink Business Preferred® charge foreign transaction fees?
No. The card has no foreign transaction fees, which makes it a solid option for international business travel.
How does this card compare to other business credit cards?
It’s a top choice for businesses with high expenses in eligible categories. However, if you want lounge access and more travel perks, you might consider premium cards like the Capital One Venture X Business or Amex Business Platinum.