Chase
Ink Business Preferred
Small business owners with meaningful spend on travel, advertising, shipping, or phone/internet services
Annual Fee
$95
Bonus Value
$2,050
Min Spend
$8K/3mo
Current Welcome Offer
100,000
Ultimate Rewards — worth ~$2,050
Spend $8,000 in 3 months
Highest since tracking started30-day offer history
2 data points
Verified from issuer
Last checked May 13
CreditPoints Take
The best business card for Chase Ultimate Rewards accumulation
For any small business owner with digital ad spend, travel, or phone services, the Ink Preferred is a must-have. It accumulates UR points aggressively without impacting 5/24 for future personal applications.
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What you get
All 3 perks ↓Perks/yr up to
$1,300
Annual Fee
$95
Covers fee
13.7×
AI Analysis
Who is this card best for?
For any small business owner with digital ad spend, travel, or phone services, the Ink Preferred is a must-have. It accumulates UR points aggressively without impacting 5/24 for future personal applications.
Power combo: Stack with personal CSP or CSR to pool all UR points. Apply for Ink business cards to grow UR balance without burning personal 5/24 slots. Pool and transfer to Hyatt for premium redemptions.
Strengths
- 3× on four major business categories that most small businesses use heavily
- $150,000 combined cap is generous enough for most SMBs
- $600 cell phone protection is the highest business card coverage available
- Does not count toward 5/24, making it ideal for Chase ecosystem builders
Weaknesses
- Must still be under 5/24 to be approved — not a workaround for that rule
- Only $95 fee but business owners with very high spend may want Ink Unlimited for 1.5× catch-all
Rewards
Earn rates by category
TravelBest rate
Up to $150,000/yr combined
Shipping purchasesBest rate
Up to $150,000/yr combined
Internet, cable & phone servicesBest rate
Up to $150,000/yr combined
Advertising (social media & search engines)Best rate
Up to $150,000/yr combined
Everything else
Earn rates in Ultimate Rewards. Point value varies by redemption method.
Historical Intelligence
Offer history & timing
Current
100,000
Average
100,000
Tracked High
100,000
Recent changes
2026-03
Chase.com
Highest observed since tracking started: 100,000 (2026-03)
Timing Intelligence
Strong time to apply
This offer is at or near the best we've observed since tracking started. The current offer of 100,000 is at or near the highest we've tracked (100,000). Elevated offers on this card typically don't last more than 30–60 days.
Current offer
100,000
Ultimate Rewards
Based on 1 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Very Strong
Est. +$1,844 net first-year value
Timing
Strong time to apply
This offer is at or near the best we've observed since tracking started. The current offer of 100,000 is at or near the highest we've tracked (100,000). Elevated offers on this card typically don't last more than 30–60 days.
Verified from issuer · May 13
Ecosystem
Chase Ultimate Rewards
Chase's transferable points currency — highly valuable via Hyatt, United, and airline partners.
✓ Transferable to 13 partners
Opens the Chase Ultimate Rewards ecosystem with access to Ultimate Rewards and 13 transfer partners.
Value
First-year value estimate
Conservative
+$1,205
65% benefit utilization, minimal travel redemptions
Realistic
+$1,844
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$2,477
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$344/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $1,300/yr in benefits
🛡️insurance
Cell Phone Protection
$1000/yr
Up to $1,000 per claim for covered theft or damage to employee/employer cell phones, $100 deductible.
Phone bill must be paid with card; covers up to 3 phones
Purchase Protection
$100/yr
Covers new purchases against damage or theft for 120 days, up to $10,000 per claim.
Trip Delay Reimbursement
$200/yr
Up to $500 per ticket for delays of 12+ hours or overnight stays.
Airfare must be purchased with card
Live Data
Verified issuer data
Last verified: May 13, 2026
high confidenceEstimated Net Annual Value
$1,155
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Redemptions
Transfer partners
Move your Chase UR points to these loyalty programs — usually at 1:1. Strategic transfers routinely deliver 2–4× more value than cash redemptions.
Airlines (7)
Hotels (4)
Approval & Best For
Eligibility
Approval insights
Recommended Credit Score
700+
Good-Excellent (700+)
Difficulty
Moderate
Annual Fee
$95
⚠ Know Before You Apply
Does NOT Count Toward 5/24
Business cards from Chase do not count as new accounts for the purposes of the 5/24 rule
Chase 5/24 Required for Approval
You must still be under 5/24 to be approved for a Chase business card
Best business card for UR accumulation. Sole proprietors qualify — business can be a side gig. Points earned pool with personal Chase UR accounts (CSP/CSR) for transfer access.
Ideal Profile
Best use cases
Small businesses spending on digital advertising and social media
Businesses with significant internet, cable, or phone bills
Chase ecosystem builders who want UR without using 5/24 slots
Frequent business travelers who pool points with personal Chase UR cards
Fit assessment
Best For / Not Best For
Best For
- 3× on four major business categories that most small businesses use heavily
- $150,000 combined cap is generous enough for most SMBs
- $600 cell phone protection is the highest business card coverage available
- Does not count toward 5/24, making it ideal for Chase ecosystem builders
Not Best For
- Must still be under 5/24 to be approved — not a workaround for that rule
- Only $95 fee but business owners with very high spend may want Ink Unlimited for 1.5× catch-all
Current Offer Status
Offer status
100,000 Ultimate Rewards
Last verified
May 13, 2026
Annual fee
$95/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Compare with similar cards
Alternatives
Consider these cards instead
Amex
Amex Business Gold
Step-up option with more premium benefits for heavy travelers.
$375/yr
200,000 pts
View review
Chase
Ink Cash
Business owners with significant internet/cable/phone and office supply bills who want UR without an annual fee
No fee
$1,000
View review
Chase
Ink Unlimited
No annual fee alternative.
No fee
$1,000
View review
FAQ
Frequently asked questions
What's the current Ink Preferred welcome bonus?
100,000 Ultimate Rewards after spending $8,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Ink Preferred worth the $95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$2,050 estimated cash value) plus tracked statement credits typically cover the $95 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
How many transfer partners does Ink Preferred have?
Ink Preferred earns Ultimate Rewards (Chase UR), which transfers 1:1 to 14+ airline and hotel programmes as of 2026. Compared to other transferable-points programmes, that puts it in the upper tier — only Amex MR has more partners. For sweet-spot redemptions, transferring to a partner typically beats portal redemption by 2-3× CPP.
Can I transfer Ink Preferred points to World of Hyatt?
Yes — at 1:1. World of Hyatt accepts 1:1 transfers from Chase Ultimate Rewards and Bilt Rewards only, so Ink Preferred qualifies via its Ultimate Rewards (Chase UR) ecosystem. Peak nights at Park Hyatt and Andaz properties redeem at 3–5 cents per point, the highest CPP in the points game.
What credit score do I need for Ink Preferred?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Ink Preferred's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on Ink Preferred and Chase
The Chase Ink Trifecta: How to Stack Three Business Cards for Maximum UR
Three Chase business cards working together: Ink Preferred earns 3x on travel and ads, Ink Cash earns 5x on office supplies, Ink Unlimited catches everything else at 1.5x. All three pool onto one UR account.
Read
Do Business Credit Cards Affect Your Personal Credit Score?
Chase, Amex, and Capital One business cards do not report ongoing activity to personal credit bureaus — your balance and utilization stay invisible to personal scoring. Bank of America and Wells Fargo do report.
Read
Chase Sapphire Reserve for Business Review 2026
The CSR Business brings Priority Pass, a $300 travel credit, and 3x on travel and dining to the business-card world — all with the same UR transfer partners as the personal Sapphire Reserve.
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Ink Business Preferred
Current offer: 100,000 Ultimate — worth ~$2,050
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Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Ink Preferred
100,000 Ultimate offer