Chase Ink Business Preferred Credit Card Review: Maximizing Business Rewards

Ink Business Preferred: Unmatched rewards for business basics, with a big bonus.

Chase Ink Business Preferred Credit Card Review: Maximizing Business Rewards

Chase's Ink Business Preferred Credit Card is a strategic choice for businesses seeking significant rewards on their regular expenses. With a generous sign-up bonus and elevated rewards in key spending categories, it's designed to offer substantial value despite its annual fee.


  • Annual Fee: $95, positioned for businesses looking to maximize rewards.
  • APR: 21.24%-26.24% Variable APR, reflecting its rewards-focused offering.
  • Sign-up Bonus: Earn an exceptional 100,000 bonus points after spending $8,000 in the first 3 months, which equates to $1,000 cash back or $1,250 toward travel through Chase Travel℠.


  • Rewards Rate: Earns 3 points per dollar in categories like travel, shipping, and advertising on social media and search engines, up to $150,000 annually.
  • Travel Redemption Bonus: Points are 25% more valuable when redeemed for travel through Chase, making each point worth 1.25 cents.
  • Transfer Partners: Points can be transferred 1:1 to numerous airline and hotel loyalty programs, enhancing flexibility and potential value.
  • No Foreign Transaction Fees: Ideal for international business transactions.
  • Comprehensive Protections: Includes trip cancellation/interruption insurance, cell phone protection, and more.


  • Annual Fee: The $95 fee may deter some smaller businesses or those not maximizing the rewards categories.
  • No Intro APR Offer: This offer does not include an introductory APR period, which could be a downside for businesses planning large initial purchases.

Product Summary

The Chase Ink Business Preferred Credit Card stands out for businesses with significant expenses in its bonus categories. Its sign-up bonus is among the most competitive, providing a strong incentive for high initial spending. The card's ability to earn 3 points per dollar on key business expenses, combined with the enhanced value of points redeemed for travel, makes it a powerful tool for businesses looking to leverage their spending into rewards. While the annual fee and lack of an introductory APR period are considerations, the overall benefits and protections can easily outweigh these costs for the right business profile.

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