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
Live verified
Checked May 13 · Confidence 100%
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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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
2026-02
Chase.com
2025-06
Chase.com
Highest observed since tracking started: 100,000 (2025-06)
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 2 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
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 (3)
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
Alternatives
Compare with similar cards
Ink Business Preferred
Current offer: 100,000 Ultimate — worth ~$2,050
View Official OfferChase's secure site · No data stored · Commission may apply
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