Reasons to Get Chase’s Preferred Ink Business

Whether you are looking for your first commercial credit card or your fifth, the Ink Business Preferred® Credit Card (see rates and fees) is a great option.

The $95 annual fee is a bargain, especially compared to the popular American Express® Business Gold Cardwhich costs $375 a year (see rates and fees), and The Business Platinum Card® from American Expresswhich has an annual fee of $895 (see rates and fees).

Here are five reasons why Ink Business Preferred is worth adding to your wallet.

Impressive welcome bonus

With the Preferred ink businessYou’ll earn 100,000 bonus points after you spend $8,000 on purchases in the first three months of account opening.

Pursue ultimate rewards Points are among the most valuable transferable points there are. In fact, the bond is worth $2,050, according to TPG’s February 2026 report. ratings.

While $8,000 is certainly a lot to spend as an individual, many small businesses can easily hit that bonus. After all, you know your spending patterns better than anyone and can assess whether the spending requirement for this welcome bonus can be met.

Those 100,000 Chase Ultimate Rewards points can be used to incredible redemptions. For example, you could transfer points to Virgin Atlantic Flight Club to book round-trip flights to Europe in Delta One business class suites.

Related: Chase Credit Cards: Best Time to Apply Based on Offer History

Useful Bonus Categories for Small Businesses

Thanks to the card’s bonus categories, Chase Ultimate Rewards points are easy to accumulate.

You’ll earn 3 points for every dollar spent on the first $150,000 in combined purchases you make each account anniversary year in the following categories:

All other purchases Earn 1 point for every dollar spent.

If you max out your bonus spending, you’ll earn 450,000 Chase Ultimate Rewards points annually, worth $9,225, according to TPG ratings. This is an incredible value, especially for a card with an annual fee of just $95.

Related: What purchases qualify for 3 points per dollar with Ink Business Preferred?

Incredible redemption potential

One of the most valuable aspects of Preferred ink business is that you can transfer your points to any of Chase’s 13 airline and hotel partners. Points are transferred to all members on a 1:1 ratio and most transactions are instant.

When you take alliance partners into account, you end up with an especially wide range of airline options. When you transfer your points to British Airways ClubFor example, you will have access to flights from unmundo alliance members like it american airlines, Finnair and Japan Airlines.

Here at TPG we love it transfer Chase Ultimate Rewards points to World of Hyatt. It’s very easy to maximize the value you get from your points this way, since Hyatt We do not currently use a dynamic pricing system for award nights.

Depending on the specific redemption, you can also redeem your points for up to 1.75 cents each (or up to 2 cents each if you also have the Chase Sapphire Reserve® (see rates and fees) and combine your points with that account) through the new Point increase feature in Chase Travel℠.

Plus, you’ll earn frequent flyer miles on any flight reservations made through Chase Travel, as they are treated like any other paid ticket.

Protections for mobile phones, travel and shopping

Insurance isn’t a glamorous topic, but saving money is, and Preferred ink business can save you a lot of money in this area.

For example, it covers you and your employees if your mobile phone is lost or damaged. Each person is covered for up to $1,000 in theft or damage per claim, as long as they pay their phone bill with that card.

There is a $3,000 limit on claims per 12-month period (up to three claims per year), with a $100 deductible per claim.

Ink Business Preferred also offers a number of travel benefits for travelers:

While you hope to never need any of the insurance benefits that come with your card, knowing you are covered offers peace of mind and can save you money by allowing you to avoid purchasing additional insurance or protection.

Related: The best travel insurance policies and providers.

Pool your points with other Chase credit cards

Chase has several products that are essentially cash back cards:

However, rewards from those cards can be converted into transferable points, as long as you have the right card. He Ink Business Preferred Credit Card is one of the cards that gives you this ability.

Related: How (and why) combine your Chase Ultimate Rewards points into a single account

Additional benefits

Along with the benefits described above, the Preferred ink business offers other important benefits:

• Employee cards at no additional cost
• No foreign transaction fees for purchases made outside the US.
• Zero liability protection (so you won’t be liable for unauthorized charges)
• Fraud protection with real-time account monitoring
• Extended warranty protection (adds one year to eligible US manufacturer warranties of three years or less)

In a nutshell

For a small business card, the Ink Business Preferred Credit Card offers a nearly unbeatable combination: a strong welcome bonus, generous points-earning opportunities, the ability to transfer points to 13 travel partners, and a comprehensive collection of travel protections.

If you are considering Ink Business Preferred, remember that it is included in Chase’s 24/5 Rule. That means if you’ve opened five or more credit card accounts in the last two years, you’ll probably be declined regardless of your creditworthiness. To increase your chances of acceptance, try applying for this card (and other Chase credit cards) before cards from other issuers.

For more information, read our full review of Ink Business Preferred.

---

Apply here: Ink Business Preferred Credit Card

---

For Amex Business Platinum rates and fees, click here.
For Amex Business Gold rates and fees, click here.