Chase Ink Business Preferred Credit Card review

Ink Business Preferred suits businesses that spend heavily on advertising and shipping. It earns 3 points per $1 on the first $150,000 each account anniversary year in combined travel, shipping, social media and search engine advertising, and internet, cable and phone purchases, then 1 point per $1. The annual fee is $95 and new cardmembers can earn 100,000 bonus points after spending $8,000 in the first 3 months. Chase includes cell phone protection worth up to $1,000 per claim for phones on a monthly bill paid with the card, limited to 3 claims in 12 months with a $100 deductible. There are no foreign transaction fees, and points can be redeemed for cash, gift cards or travel or transferred to partners. Compared with Ink Business Cash, the categories cover online ads and shipping, and the cap is six times higher. The fee and the higher bonus threshold make it a worse fit for owners with modest monthly spend.

Who it is for

owners who spend on ads and shipping and want travel points

Price

$95 annual fee.

ANNUAL FEE $95
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 3 points per $1 on the first $150,000 in combined travel, shipping, social media and search engine advertising, and internet, cable and phone purchases each account anniversary year
• 100,000 bonus points after $8,000 in purchases in the first 3 months
• Cell phone protection up to $1,000 per claim, up to 3 claims in 12 months with a $100 deductible
• No foreign transaction fees
• Points can be redeemed for cash, gift cards and travel or transferred to partners

Strengths and weaknesses

• Strength: 3X cap of $150,000 a year is far higher than most category cards
• Strength: Largest welcome offer among the Chase Ink cards here
• Strength: Cell phone protection for phones on a bill paid with the card
• Weakness: $95 annual fee
• Weakness: $8,000 spend needed in 3 months for the welcome bonus
• Weakness: Purchases outside the 3X categories earn 1 point per $1

Key facts

• Annual fee: $95
• Top rate: 3X on first $150,000 in travel, shipping, ads and telecom
• Welcome offer: 100,000 points after $8,000 in 3 months
• Foreign transaction fee: None

Where it ranks

Chase Ink Business Preferred Credit Card is No. 6 in our Best Business Credit Cards verdict.