Ink Business Preferred® Credit Card — 3X on Business Spend and a 100,000-Point Welcome Offer

The Ink Business Preferred® Credit Card doesn’t require much of a sales pitch. A $95 annual fee. A 100,000-point welcome offer. 3X on the categories small businesses and freelancers actually spend against. And Ultimate Rewards — the same currency that transfers 1:1 to Hyatt, United, and a dozen other programs. Whether you’re running a full operation or just have legitimate business spend looking for a productive home, the Ink Business Preferred is the anchor business card in the Chase lineup.

Learn here how to apply for the Ink Business Preferred® Credit Card

(All information about the Ink Business Preferred® Credit Card was collected independently by Eye of the Flyer. It was neither provided nor reviewed by the card issuer.)

Current Welcome Offer: Earn 100,000 bonus Chase points after spending $8,000 in eligible purchases within the first three months.

Annual Fee: $95

Employee Card Fee: $0

Foreign Transaction Fees: $0

Table of Contents

• Points Earnings
• Perks & Benefits
• Travel & Purchase Protections
• Ultimate Rewards & Transfer Partners
• Flight Plan

Points Earnings

The 3X structure is the Ink Business Preferred® Credit Card‘s primary value proposition, and it earns the name. The four bonus categories — shipping, social media and search engine advertising, travel, and internet/cable/phone services — aren’t arbitrary. They map to where small businesses and freelancers actually spend. A Google Ads budget, a cell phone plan, a FedEx account, a flight to a client meeting: those aren’t stretch categories. They’re line items.

The $150,000 combined annual cap on bonus category spend is high enough that most cardholders won’t hit it. If you do, the Ink Business Cash or Ink Business Unlimited are logical complements for the overflow — and all three earn Chase points that can pool together.

What kind of points does the Ink Business Preferred earn? Chase points — transferable 1:1 to twelve airline and hotel partners, redeemable through Chase Travel℠, or convertible to cashback. If you also hold a Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, points from the Ink can pool directly into that account for redemption.

$150,000 cap on combined 3X categories: Once you’ve hit $150,000 across shipping, advertising, travel, and internet/cable/phone in a card anniversary year, earn rate drops to 1X on those categories for the remainder of the year. Resets at your anniversary date.

Perks & Benefits

Cell Phone Protection

Pay your monthly wireless bill with the Ink Business Preferred and you get coverage against damage and theft for every phone on the plan — up to $1,000 per claim, subject to a $100 deductible, with a maximum of three claims per 12-month period. For a $95 card, this is a genuinely strong benefit. Phone repairs are not cheap, and most people don’t think about this coverage until they need it. The math: one cracked screen claim pays the annual fee several times over.

Complimentary DashPass

At least 12 months of complimentary DashPass membership for you and your authorized users — the DoorDash and Caviar subscription that waives delivery fees and reduces service fees on eligible orders. Activate by December 31, 2027. Both the primary cardmember and authorized users need to activate separately using the same login credentials on DoorDash or Caviar.

$10 Monthly DoorDash Discount

Once DashPass is active, you receive $10 off one qualifying non-restaurant order per month on DoorDash — grocery, retail, and other eligible orders. The discount applies to the order subtotal only; fees, taxes, and gratuity still apply. It doesn’t roll over, so use it each month or it’s gone.

Lyft

Earn 5X points on Lyft purchases through September 30, 2027 — two additional points on top of the 3X you’d otherwise earn on travel. That’s the same 5X rate the Chase Sapphire Reserve® earns on Lyft, on a card with a $700 lower annual fee.

Travel & Purchase Protections

The protection package on the Ink Business Preferred is stronger than most $95 business cards suggest. Cell phone protection (above) is the headliner, but the travel coverage is solid too — primary rental coverage up to $60,000 removes the secondary-to-personal-insurance asterisk that shows up on a lot of competing cards. Note that Roadside Assistance here is a dispatch service, not free emergency coverage — fees are billed to your card, so it’s more of a convenience than a safety net.

• Cell Phone Protection — Up to $1,000 per claim for damage or theft when you pay your monthly cell phone bill with the card. $100 deductible per claim; maximum three claims per 12-month period.
• Trip Cancellation/Interruption Insurance — Up to $5,000 per covered traveler and $10,000 per trip for prepaid, non-refundable travel expenses if a trip is cancelled or cut short by a covered reason.
• Auto Rental Coverage — Primary collision and theft coverage on business rentals when you decline the rental company’s collision damage waiver and charge the full rental to the card. Covers up to $60,000 for most rental vehicles with an MSRP of $125,000 or less.
• Travel and Emergency Assistance — Provides legal and medical referrals and other travel and emergency assistance services if you run into a problem while traveling away from home. You are responsible for the cost of any goods or services obtained.
• Roadside Assistance — Dispatch service for roadside emergencies. Roadside service fees are billed to your card at the time of dispatch.
• Purchase Protection — Covers new purchases against damage or theft for 120 days, up to $10,000 per item.
• Extended Warranty Protection — Extends a U.S. manufacturer’s warranty by one additional year on eligible warranties of three years or less, up to four years from the date of purchase.

Charge your travel and major business purchases to the card to activate these protections. Verify coverage limits and exclusions in the card’s Guide to Benefits.

Ultimate Rewards & Transfer Partners

Points earned on the Ink Business Preferred are full Chase points — the same currency as the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card. That means the same 12 transfer partners at the same ratios. If you hold any Sapphire card alongside the Ink, points pool and can be redeemed at the Sapphire card’s redemption rate, including Points Boost at up to two cents per point on select travel through Chase Travel℠.

The Ink Business Preferred’s own redemption baseline through Chase Travel is 1.25 cents per point — useful if you don’t hold a Sapphire card, though pairing with the Reserve or Preferred gets you to a higher floor.

Airline Partners (1:1)

• Aer Lingus AerClub
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Alaska Airlines Atmos Rewards
• British Airways Avios
• Iberia Avios
• Japan Airlines (JAL) Mileage Bank
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United Airlines MileagePlus
• Virgin Atlantic Flying Club

Hotel Partners

• IHG One Rewards (1:1)
• Marriott Bonvoy (1:1)
• World of Hyatt (1:1)

Verify current transfer ratios and any active transfer bonuses at chase.com/ultimaterewards before moving points.

Flight Plan

The Ink Business Preferred’s pitch is one of the cleaner ones in travel rewards: $95 annual fee, 100,000 points for $8,000 in spending, and a 3X category set built around how small businesses actually operate. Shipping, Google Ads, travel, your phone bill and internet service — those aren’t contrived categories. They’re a real business budget. If any of them are regular line items for you, the math is working before you even think about welcome offer value.

The cell phone protection is the sleeper. It doesn’t generate hype the way a six-figure welcome offer does, but it quietly turns a recurring monthly bill into a coverage benefit. One cracked screen claim at a repair shop — easily $200 to $400 — and the card has paid for itself several times over.

Apply if:

• You have regular business spend in any of the 3X categories — shipping, advertising, travel, internet, or phone
• A 100,000-point welcome offer matters and $8,000 in 90 days is achievable for your business
• You want cell phone protection without buying a separate policy — just pay your wireless bill with the card
• You already hold a Chase Sapphire Reserve® or Preferred and want Ink points to pool into the same Ultimate Rewards balance
• You want primary rental car coverage on business trips

Think twice if:

• Your business spend doesn’t hit any 3X categories — you’d be earning 1X on most of it, and there are better options at this fee tier
• You want a cashback card instead of a points card — the Ink Business Cash earns 5% back on the first $25,000 in office supplies and internet/cable/phone, and 2% back on gas and dining
• You’re expecting lounge access or travel credits — the Ink Business Preferred doesn’t have either; that’s the Chase Sapphire Reserve®‘s job
• You want a set-it-and-forget-it card with no category tracking — the $150K cap requires some awareness if your business spend is high

Learn here how to apply for the Ink Business Preferred® Credit Card