The Ink Business Preferred Card

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The Ink Business Preferred Card

U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's 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 King of Business Credit Cards"

This is a business card that's very hard to beat, with a huge sign-up bonus and earnings of 3 points per $1 on the first $150,000 in so many business categories.

Learn More (at Chase's secure site)

Our Verdict

If you were to make a short list of the best small business credit cards available, the Ink Business Preferred® Credit Card would be at the top of that list. Not only is the card a fantastic option for earning points by offering 4 different bonus categories, but it also offers great travel benefits and purchase protections that any small business owner would love — and all for an annual fee of just $95!

So if you’re a small business owner that travels often for work or leisure, here is a detailed look at why the Ink Business Preferred card might be a must-add to your wallet.

  • Welcome Bonus & Info (Partner Content)
    • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
    • 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
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • 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
    • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.


  • Bonus Valuation*: $2,000
  • Earn 3x Ultimate Rewards points per $1 spent on up to $150,000 in combined purchases on advertising on social media and search engines, travel, shipping, internet, cable, and phone services
  • Access to Chase Ultimate Rewards travel transfer partners
  • Ultimate Rewards points are worth 25% more when redeemed through the Chase travel portal or Pay Yourself Back
  • Cell phone insurance
  • Trip cancellation/interruption insurance
  • Rental car insurance
  • Purchase and extended warranty protection
  • No foreign transaction fees


  • $95 annual fee
  • No premium travel benefits like airport lounge access

*This bonus value is an estimated valuation calculated by UP and not the card issuer.

Current Sign-Up Bonus

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.

Don’t Get If

  • Your business’ annual spending does not fall within the bonus categories

Great Card If

  • You’re a business owner who spends a lot on travel, communication services, shipping, or advertising expenses
  • You travel often and want a card with flexible point redemption options
  • You want a card with cell phone protection, purchase protection, and travel insurance

Apply for The Ink Business Preferred Card

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