Ink Business Preferred Credit Card
Chase · Reward Points · Reward Points
This comprehensive guide covers the Ink Business Preferred Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Ink Business Preferred Credit Card from Chase offers reward points rewards redeemable as reward points. Top earning categories include 3x on travel and more. Annual fee is $95 (no standard fee waiver).
Best for: Travel, Retail, General Online, Utility
Official product page → Official rules →
Annual fee: $95
Waiver: No standard fee waiver
Waiver: No standard fee waiver
Reward Rules
- 3 pts/$100 3x on travel (cap: $150,000)
- 3 pts/$100 3x on shipping purchases (cap: $150,000)
- 3 pts/$100 3x on advertising purchases with social media and search engines (cap: $150,000)
- 3 pts/$100 3x on internet, cable, and phone services (cap: $150,000)
- 1 pts/$100 1x on everything else
Important Notes
- 3x categories capped at combined $150,000 spend per calendar year (then 1x).
- Points are Ultimate Rewards — can be pooled with Sapphire cards for 1:1 travel partner transfers.
- Employee cards at no additional cost with individual spending limits.
- Cell phone protection up to $1,000 per claim included.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Ink Business Preferred Credit Card vs Similar Cards
- Chase Freedom Flex — Reward Points · $0
- Chase Freedom Unlimited — Reward Points · $0
- Ink Business Unlimited Credit Card — Reward Points · $0
Maximize Your Rewards
To earn the highest rewards, use the Ink Business Preferred Credit Card for its bonus categories: Travel, Retail, General Online, Utility, Electronics Accessories.