Top Visa Infinite Benefits and Best Visa Infinite Cards [2026]

When you carry a credit card with the Visa logo, you know the card will be accepted widely all over the world. And you also get access to a slew of Visa benefits.

Today, we’re going to look closely at those benefits, specifically focusing on the highest tier level of Visa benefits, Visa Infinite.

We’ll also share excellent examples of Visa Infinite cards, break down the benefits you can expect, and suggest alternative cards that strike a balance between the annual fee and great benefits.

Before we talk about Visa Infinite, let’s look at how the levels of Visa benefits work and where you get them.

Visa Benefit Levels

Our primary focus today is on Visa Infinite benefits, but there are several levels of Visa benefits. The foundation of the Visa network benefits is the Traditional Visa benefit level. Visa Signature benefits are a step above Traditional Visa benefits. The highest level, which we’ll cover shortly, is Visa Infinite.

Traditional Visa benefits include basic features such as emergency card replacement, emergency cash, zero fraud liability, lost or stolen card reporting, ID navigator, card inquiry services, and roadside dispatch.

Both Visa Signature and Visa Infinite levels include these benefits and more. Let’s look at what Visa Signature entails and which cards may include these benefits.

Bottom Line: There are 3 levels of Visa benefits: Traditional Visa, Visa Signature, and Visa Infinite. While some benefits can be found on more than a single level, you may find stronger or broader coverage with a higher benefit level. For example, you may receive secondary car rental insurance on a Traditional Visa card but primary coverage on a Visa Infinite card. 

Visa Benefits vs. Card Issuer Benefits

In addition to Traditional Visa benefits, Visa Signature, and Visa Infinite benefits, a card issuer adds its own level of benefits. An example of this is the Visa Infinite Global Entry statement credit. A card issuer may let cardholders receive reimbursement for the TSA PreCheck fee, too.

The collection of Visa benefits is simply a menu from which the card issuer picks what it wishes to include on any given card. You could receive a combination of any level of Visa benefits plus any additional card issuer benefits. This combining of benefits allows a card issuer to build a unique benefits package for each card in order to fit its target market.

Top Visa Infinite Benefits

We’ll cover some examples of the best Visa Infinite cards shortly and dive deeper into the details of their benefits. But first, let’s look at the top Visa Infinite benefits you can expect to find on Visa Infinite cards, not necessarily in the order of value (which can vary depending on the cardholder).

• Airline incidentals statement credit
• Extended warranty, purchase security, and return protection
• Global Entry statement credit
• Lost luggage reimbursement
• Minimum $10,000 credit limit
• Primary car rental insurance
• Roadside dispatch
• Trip cancellation, interruption, and trip delay coverage
• Visa Infinite Luxury Hotel Collection benefits
• Worldwide lounge access

Additional Visa Infinite Benefits

You could also get these additional premium benefits included on Visa Infinite cards:

• Visa Infinite Concierge: Receive 24/7 personalized service for making travel, entertainment, and dining arrangements and for referrals.
• Car rental privileges: Get discounts, upgrades, and other privileges with Avis, Hertz, and National.
• Fine Wine and Food program: Receive exclusive access, discounts, and benefits at 50 Sonoma wineries.
• Golfing rewards: The Visa Infinite Troon golf benefit provides premium benefits at 115 golf courses.
• Travel and emergency assistance services: When traveling, receive assistance 24/7 for medical or legal referrals, translation services, emergency transportation arrangements, and more. Cardholders are responsible for the payments for the actual services received.

Bottom Line: Not every Visa Infinite card has all of the available Visa Infinite benefits. Most cards have a combination of Traditional Visa benefits, Visa Signature benefits, and Visa Infinite benefits. The card issuer selects which Visa benefits it wants to include on a specific card and then add its own card-issuer benefits. 

Top 5 Visa Infinite Cards

There are not many choices when it comes to Visa Infinite cards, but we have fine examples. Here are just a few that are representative of what you can expect from a Visa Infinite card:

Chase Sapphire Reserve^®

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is one of the best examples of a Visa Infinite card, as it checks nearly every box when it comes to Visa Infinite benefits. You start with a credit limit of $10,000 or higher and then receive a long list of benefits and protections.

We like that the card earns well on travel purchases via the Chase travel portal but also offers 3x earnings on dining worldwide and 4x points on flights and hotels booked directly (outside of the portal). You can redeem your Ultimate Rewards points toward travel via the portal or transfer to Chase airline and hotel partners for even greater value.

Here’s a sampling of the best benefits offered by the card:

Primary Car Rental Insurance

Reserve and pay for your rental car with your card, decline the rental agency’s collision or loss damage waiver (CDW or LDW) coverage, and receive coverage for theft, damage, and loss of use. You receive primary coverage, which means that you do not have to file a claim with any other applicable insurance first.

Visa Infinite Luxury Hotel Collection

Book your hotel room directly via Visa Infinite Hotels and receive a long list of exclusive benefits:

• $25 food or beverage credit per stay
• An additional room, spa, food and beverage, or golf credit (up to $100), which varies by property
• Complimentary continental breakfast for you and a guest
• Complimentary in-room Wi-Fi
• Late checkout when requested, if available
• Upgraded room on arrival when available
• VIP guest services and amenities, which differ by property

Hot Tip: You can also use your Chase Sapphire Reserve card to book through a similar program called The Edit by Chase Travel to receive extra benefits at over 1,000 hotels, resorts, lodges, and spas worldwide.

Worldwide Lounge Access via Priority Pass Select Membership

With 1,300 locations, Priority Pass offers cardholders access to airport lounges, experiences, and Minute Suites throughout the world.

Global Entry, TSA PreCheck, or NEXUS Statement Credit

Charge your Global Entry application or renewal fee to your card and receive a statement credit. You could instead choose to receive reimbursement for a TSA PreCheck or NEXUS fee. The maximum reimbursement is up to $120 every 4 years.

$300 Annual Travel Statement Credit

The Chase Sapphire Reserve card goes a step beyond the more restrictive Visa Infinite benefit for an airline incidentals statement credit and offers the statement credit for travel purchases. Chase also has a broad definition of what constitutes a travel purchase, so the credit is easy to utilize.

Trip Cancellation, Interruption, and Trip Delay Insurance

Receive up to $10,000 per trip per person and $20,000 per incident for up to a maximum of $40,000 per 12-month period for covered events. If your trip is delayed more than 6 hours or overnight you could receive up to $100 per day, up to a maximum of 5 days ($500).

Learn more about the travel insurance benefits on the Chase Sapphire Reserve card.

Baggage Insurance

Once again, the Chase Sapphire Reserve card offers coverage beyond the Visa Infinite lost baggage benefit. Baggage insurance on the card offers up to $3,000 per person per trip for lost or stolen luggage and up to $500 for baggage that is delayed 6 hours or more.

Roadside Dispatch

The Visa Infinite roadside dispatch benefit offers roadside assistance for a single low, predetermined flat fee. The Chase Sapphire Reserve card does not charge a fee for roadside assistance for up to 4 service calls each year. There is a maximum $50 benefit per service call.

Shopping Protections

Eligible items purchased with the Chase Sapphire Reserve card receive the following protection coverages:

• Extended warranty: Manufacturer’s warranties of 3 years or less are extended an additional year. There is a maximum of $10,000 per claim and $50,000 per account.
• Purchase protection: Theft, damage, and accidental parting are covered on eligible items for 120 days from the purchase date for up to $10,000 per item and $50,000 per account.
• Return protection: If the merchant will not accept a return within 90 days of the purchase date, you could receive up to $500 per item and up to $1,000 per year.

Bottom Line: The Chase Sapphire Reserve card is one of the best examples of a Visa Infinite card, as it offers all of the top Visa Infinite benefits plus several additional benefits and protections. 

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Another premium travel rewards card market is the Capital One Venture X card, also a Visa Infinite card. In addition to a generous welcome offer to earn, you get higher earnings on Capital One Travel purchases, travel statement credits, premium travel benefits, and more.

You can earn well on select Capital One Travel purchases, and the card earns a flat 2x miles on every other purchase you make. You can also use your miles through Capital One Travel or transfer miles to airline and hotel partners, where it is possible to receive even greater value.

Here are the best additional features and benefits of the Capital One Venture X card:

Travel Benefits and Protections

• $300 annual travel credit for Capital One Travel purchases
• Airport lounge access, including participating Priority Pass™ lounges (after enrollment) and access to Capital One Lounge and Landing locations
• Elite benefits at Visa Infinite Luxury Hotel Collection
• Global Entry or TSA PreCheck fee reimbursement every 4 years
• Hertz President’s Circle elite status
• Primary car rental insurance
• Travel insurance protections, including trip cancellation, trip interruption, trip delay coverage, and lost luggage reimbursement

Shopping Benefits and Protections

• Cell phone protection
• Purchase security, extended warranty, and return protection

Hot Tip: To learn more about how these Visa Infinite cards compare, read our article on the Capital One Venture X card versus the Chase Sapphire Reserve card.

UBS Visa Infinite Credit Card

The UBS Visa Infinite card is designed for high-net-worth individuals and is available via a UBS financial adviser.

We would need to write an entire article to begin to cover all of the benefits you’d find on the UBS Visa Infinite card, as the guide to benefits alone is 120 pages long. We won’t overwhelm you with details, but we will offer this summary of benefits on the card:

Air Travel

• 12 single-use passes for inflight Wi-Fi
• $250 airline fee statement credit
• $500 dining and airport club credit
• Access, discounts, benefits, and incentives with private aviation charter services
• Access to ground transport, meet and greet, and luggage delivery services
• Global Entry or TSA PreCheck fee reimbursement up to $120 every 4 years
• Lost and delayed baggage insurance
• Worldwide lounge access via Priority Pass Select membership

Hotel and Car Rental

• Benefits at 7 additional luxury hotel collections
• Discounts and benefits at 6 major car rental programs
• Visa Infinite Luxury Hotel Collection benefits

Travel Insurance and Protections

• Emergency evacuation, transportation, and repatriation of remains
• Primary car rental insurance
• Roadside dispatch (up to 4 $50 service calls each year)
• Travel accident insurance
• Trip cancellation, interruption, and delay coverage

Shopping Benefits and Protections

• Event ticket protection
• Price protection
• Purchase security
• Return protection
• Warranty manager service

The UBS Visa Infinite card has a $495 annual fee but comes with other tangible benefits such as a flexible rewards program, unlimited ATM fee waivers of up to $10 each, and no foreign transaction fees.

U.S. Bank Altitude™ Reserve Visa Infinite^® Card

The U.S. Bank Altitude Reserve card is no longer open to new applicants. The card comes with a $400 annual fee but offers a considerable collection of benefits.

Here is a summary of the card’s benefits:

• 12 single-use, inflight Wi-Fi passes
• Emergency evacuation, repatriation of remains
• Global Entry or TSA PreCheck fee reimbursement of up to $120 every 4 years
• Hotel benefits at Relais & Chateaux and Visa Infinite Luxury Hotel Collection properties
• Lost luggage reimbursement
• Primary car rental insurance
• Purchase protection, return protection, and extended warranty
• Travel accident insurance
• Trip cancellation, interruption, and delay coverage
• Up to $325 in statement credits annually for travel purchases made via the U.S. Bank Travel Center
• Visa Infinite Concierge
• Worldwide lounge access via Priority Pass Select membership

The U.S. Bank Altitude Reserve card provides up to 10 points per $1 on qualifying prepaid travel via the U.S. Bank Travel Center, 3 points per $1 on other travel purchases, and 3 points per $1 on mobile wallet purchases (up to $5,000 per billing cycle, then 1x points).

We’ve listed a summary of key benefits, but you can access a complete list with terms and conditions in the card’s guide to benefits.

Sapphire Reserve for Business℠

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

150,000 points

UP's Offer Valuation*:

$3,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
• $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

If you’re in the market for a business credit card with Visa Infinite benefits, the Chase Sapphire Reserve Business card may be perfect for you.

Not only does it provide all of the same Visa Infinite benefits as the personal version of the card, but there is a good deal of overlap with the benefits it provides, including:

• Access to Chase Sapphire Lounges and Priority Pass lounges
• Up to a $300 annual travel credit
• Up to a $500 annual credit for The Edit by Chase Travel
• Up to $300 annually in monthly DoorDash promos and a complimentary DashPass membership (enroll by December 31, 2027)
• $120 in annual Lyft in-app credits (through September 30, 2027)
• Global Entry, TSA PreCheck, or NEXUS credit
• Complimentary IHG One Rewards Platinum Elite status
• Excellent travel and purchase protections

However, it also offers a few perks and benefits that the personal card does not offer that should be especially useful to business owners, inlcuding:

• 3x points on advertising purchases made with social media sites and search engines (uncapped)
• Up to $400 in annual ZipRecruiter credit
• Up to $200 in annual Google Workspace credit
• Up to $100 in Giftcards.com credit
• The ability to earn IHG Diamond Elite status, a $500 credit for The Shops at Chase, Southwest Airlines A-List status, and a $500 Southwest Airlines credit when booked through Chase Travel (when you spend $120,000 on the card in a calendar year)

Hot Tip:

Read our dedicated guide to learn about all of the benefits of the Chase Sapphire Business card and how it can provide $12,000 or more in value.

3 Great Alternatives to a Visa Infinite Card

Though a Visa Infinite card may be packed with premium benefits, you generally pay a higher annual fee to receive those benefits. If you actually use most of those benefits, the fee is normally offset and then some. However, there are Visa Signature cards that may offer a lower annual fee but still have enough benefits to justify strong consideration over Visa Infinite cards.

Let’s look at a few cards that offer a nice balance of benefits with a lower annual fee.

Chase Sapphire Preferred^® Card

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

One of our favorite cards, the Chase Sapphire Preferred card offers a jump-start to your earnings with an excellent welcome offer bonus. The card earns flexible, and therefore valuable, Ultimate Rewards points that are worth up to 75% more when redeemed for certain bookings via the Chase Travel portal or potentially even greater value when transferred to airline or hotel partners. In addition, the card comes with 10% annual bonus points and a $50 annual credit on hotel stays booked through Chase Travel.

We also like that the card charges just a $95 annual fee yet comes with travel insurance benefits such as primary car rental insurance, trip cancellation, trip interruption, and trip delay coverage. You also get shopping protections such as purchase protection and extended warranty. Cardmembers receive access to perks such as complimentary breakfast, room upgrades, and late checkout when booking a Visa Signature Luxury Hotel Collection property.

Ink Business Preferred^® Credit Card

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

One of our favorite business rewards cards, the Ink Business Preferred card is an earning powerhouse. A generous welcome offer, bonus category earnings on select business purchases, and the opportunity to redeem points for up to 75% greater value with Chase Travel or transfer to travel partners for even greater potential value make this card a winner for businesses of any size.

Ink Business Cash^® Credit Card

Terms Apply / Rates & Fees

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

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Card Highlights

• Earn $750 when you spend $6,000 on purchases in the first three months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Complimentary three-month lnstacart+ membership.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

With no annual fee, a generous welcome offer, and up to 5% cash-back on common business purchases, the Ink Business Cash card could be a fit for any business. And since you’re not paying an annual fee, benefits such as primary car rental insurance (for business use in your country of residence), travel insurance, and purchase protection can be useful additions.

Hot Tip: Read our comparison between these popular Ink Business cards for more information!

Final Thoughts

Visa Infinite benefits are great, but they have no value unless you can use them. The best Visa card is the one that has a benefits package that provides bottom-line value to you personally.

Plus, benefits aren’t the only factor to consider when determining the best card for your situation. Be sure your particular spending mix is earning the highest rewards possible, and check that the card has redemptions that fit your objectives. Finally, make certain you’re comfortable with the annual fee you’d be paying compared to the level of benefits you’d actually use. If you’d use enough of the Visa Infinite benefits, you could certainly justify the higher annual fee you’d pay.

If you decide not to sign on for Visa’s highest echelon of benefits, you may find that Visa Signature cards are easier to obtain and offer competitive perquisites, rewards-earning potential, and a lower annual fee.