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Ink Business Preferred Credit Card card art
Chase · ink

Ink Business Preferred Credit Card

4.7 / 5
Ultimate Rewards · Business card

The benchmark business card. 3x on the categories small businesses actually spend on, and the points move to airlines and hotels.

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At a glance

Issuer terms
Welcome bonus
100,000 points
Spend $8,000 in 3 months
Annual fee
$95
Year-one and ongoing
Purchase APR
20.49% to 26.49%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

The benchmark business card. 3x on the categories small businesses actually spend on, and the points move to airlines and hotels.

Verdict

Pros & cons

Pros

  • 3x on business-critical categories
  • Cell phone protection up to $1,000
  • $150K annual cap on the 3x tier
  • Transferable points

Cons

  • $95 annual fee with no year-one waiver
  • Welcome bonus requires $8K spend
  • No standalone redemption boost like the Sapphire
Earnings

Earn rates

CategoryRateNotes
Travel, shipping, internet, cable, phone, ads3x pointsOn the first $150,000 in combined annual spend across these bonus categories.·cap $150,000
All other purchases1x points
Benefits

Key benefits

3x across business categories

Travel, shipping, internet, cable, phone, and advertising all earn 3x.

Transferable Ultimate Rewards

Move points to airline and hotel partners at 1:1.

Cell phone protection

Up to $1,000 per claim when you pay your phone bill with the card.

Free employee cards

No extra cost for additional employee cards on the account.

Fit

Who this is best for

  • Small business owners with regular advertising and shipping spend
  • Owners pairing this with a personal Sapphire
  • Service businesses with high phone and internet costs
FAQ

Frequently asked questions

What is the Ink Business Preferred welcome bonus?
Earn 100,000 bonus points after spending $8,000 on purchases in the first 3 months.
Does the Ink Business Preferred charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Ink Business Preferred have a foreign transaction fee?
No. The Ink Business Preferred charges no foreign transaction fee, so it works well for international purchases.
What APR does the Ink Business Preferred charge?
The purchase APR is 20.49% to 26.49% variable.
Who is the Ink Business Preferred best for?
Small business owners with regular advertising and shipping spend. Owners pairing this with a personal Sapphire. Service businesses with high phone and internet costs.
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Ink Business Preferred Credit Card

Spend $8,000 in 3 months
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Rates accurate as of May 15, 2026. Issuer terms.