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Ink Business Preferred®
Chase

Ink Business Preferred®

A $95-a-year travel rewards card from Chase.

Transfers to airlines & hotels
Annual fee
$95/yr
Welcome bonus
100,000 Ultimate Rewards® Points
Min spend
$8,000 in 3 months
Recommended credit
Good to Excellent (700+)
Network
Visa
Foreign transaction fee
None
Apply on Chase site8.9/10Our rating · review ›

Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Chase application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel, phone and internet bills, and advertising and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $95 annual fee.

Earning rates

3x on travel, shipping, social/search advertising, and internet/cable/phone (up to $150k/yr combined)
1x on all other purchases
25% more value redeeming points for travel via Chase

Best ways to earn & redeem

Put your travel, phone and internet bills, and advertising spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Transfers to 14 airline and hotel partners (United, Southwest & more), mostly 1:1; Hyatt transfers at 4:3 effective October 2026
Cell phone protection up to $600 per claim (up to 3 claims/yr)
Employee cards at no additional cost
Primary rental car coverage for business rentals
Trip cancellation/interruption insurance
No foreign transaction fees
Purchase protection and extended warranty

Statement credits

$10 monthly DoorDash credit on a non-restaurant order, plus complimentary DashPass (through December 2027)

Transfer partners

Your Ultimate Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

United Airlines, Southwest Airlines, British Airways, Air France/KLM, Singapore Airlines, Air Canada, Virgin Atlantic

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

World of Hyatt

You can check the live points price for a specific stay on rooms.aero.

See the full Chase ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Ink Business Preferred®

Pairs well with

The Ink Business Preferred® is a Chase transfer hub. Pair it with these strong Ultimate Rewards earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Ink Business Preferred® lands.

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