Ink Business Preferred®: Business Travel Rewards with Flexible Points
Earn 3X points on travel, shipping, internet, cable, phone services, and advertising purchases, plus enjoy valuable travel protections and flexible point redemptions.
The Bottom Line
4.3
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Ink Business Preferred® Credit Card is one of the best business travel cards for small business owners who want flexible rewards, strong bonus categories, and valuable travel protections at a moderate annual fee. It earns 3X points on common business expenses such as travel, shipping, internet, cable, phone services, and advertising purchases made with search engines and social media sites. The card becomes especially valuable when points are redeemed through the Chase Ultimate Rewards ecosystem, including airline and hotel transfer partners, where points can deliver outsized travel value. Strong travel and purchase protections further enhance its appeal for businesses that travel regularly. The downside is that the card lacks premium luxury perks such as airport lounge access and travel credits found on higher-end travel cards. Businesses that prefer simple cashback over travel rewards may also find more straightforward options more practical. Overall, this card works best for business owners with significant travel and advertising spending who want flexible travel rewards and strong business-focused benefits at a reasonable annual fee.
Ink Business Preferred®
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Annual fee:
$95
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
17.74% - 26.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3X points on up to $150,000 in combined purchases per year on shipping, advertising on social media sites and search engines, internet, cable, phone services, and travel, plus 5X on Lyft rides through September 30, 2027, and 1X points on all other purchases.
1x - 5x Points
Welcome Offer Earn 100,000 bonus points after spending $8,000 in the first three months.
100,000 Points
Welcome Offer
- Earn 100,000 bonus points after spending $8,000 in the first three months.
Rewards
- 3X Points Categories on up to $150,000 in combined purchases per year:
- Shipping
- Advertising on social media sites and search engines
- Internet, cable, and phone services
- Travel
- 5X Points on Lyft rides through September 30, 2027.
- 1X Points on all other purchases.
Redemption Options
- Flexible Redemption: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel, gift cards, and Apple purchases. Cash rewards do not expire.
- 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.
Fees and APR
- Annual Fee: $95.
- Regular APR: 17.74% - 26.74% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per year.
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Lifestyle Perks
- DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
- $10 Off DoorDash Non-Restaurant Orders: Get up to $10 off per month on non-restaurant DoorDash orders through December 31, 2027.
Business Tools & Controls
- Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.
- Build Business Credit: Establish your business credit history with responsible use of your business credit card, helping support future access to financing.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Terms and Conditions
- Click Apply Now to see the terms and conditions.