The Chase Ink Business Preferred Card is one of the most rewarding business credit cards available, offering high earning rates, valuable points, and business-focused benefits.
Quick Overview
- Annual Fee: $95
- APR: 18.49% – 24.49% Variable
- Rewards Rate: 3X points on key business categories
- Sign-up Bonus: 100,000 points after spending $8,000 in first 3 months (worth $1,250 in travel)
- Best For: Small business owners who travel or advertise
Why We Recommend It
Chase Ink Business Preferred delivers outstanding value for small business owners. The 100,000-point welcome bonus is one of the highest in the business card market, and the 3X earning categories align perfectly with common business expenses like shipping, internet, advertising, and travel. Chase Ultimate Rewards points can transfer to airline and hotel partners, making this card incredibly flexible for business travelers.
Rewards & Benefits
Earn Chase Ultimate Rewards points:
- 3X points on the first $150,000 spent per year on:
- Travel (including hotels, flights, car rentals)
- Shipping purchases
- Internet, cable, and phone services
- Advertising purchases made with social media sites and search engines
- 1X point on all other purchases
Business benefits include:
- 100,000 point sign-up bonus (worth $1,250 when redeemed for travel)
- Primary rental car insurance (even for business rentals)
- Trip cancellation/interruption insurance
- Purchase protection and extended warranty
- Cellphone protection (up to $600 per claim when you pay bill with card)
- No foreign transaction fees
- Employee cards at no additional cost
Fees & Rates
- Annual fee: $95
- Purchase APR: 18.49% – 24.49% Variable
- Balance transfer fee: 5% ($5 minimum)
- Foreign transaction fee: None
- Cash advance fee: 5% ($10 minimum)
Who Should Get This Card
Chase Ink Business Preferred is ideal for:
- Small business owners with regular business expenses
- Solopreneurs and freelancers who travel for work
- Businesses spending on advertising, shipping, or internet services
- Anyone wanting to earn valuable, transferable points on business spending
This card is NOT ideal for:
- Very new businesses with limited spending
- Those who can’t meet the $8,000 minimum spend in 3 months
- Businesses that primarily spend in categories outside the 3X bonus
How It Compares
- Higher sign-up bonus than most business cards
- More valuable points than airline co-branded cards
- Better for diverse spending than category-restrictive cards
- Lower annual fee than premium business cards like Amex Business Platinum
The Bottom Line
Chase Ink Business Preferred offers exceptional value for small business owners. The massive 100,000-point welcome bonus alone justifies the $95 annual fee for years, and the 3X categories cover the most common business expenses. Whether you’re traveling for client meetings or running online ads to grow your business, this card rewards the spending you’re already doing while providing premium protections.
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This card is offered by Chase. clevercreditcards.com may receive compensation if you apply and are approved.