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 startedOffer history since tracking began
2 data points
Verified from issuer
Card data snapshot 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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Key facts
| Annual fee | $95 |
|---|---|
| Welcome bonus | 100,000 Ultimate Rewards after $8,000 spend in 3 months |
| Bonus value estimate | ~$2,050 |
| Top earning rates | 3× Travel · 3× Shipping purchases · 3× Internet, cable & phone services · 1× Everything else |
| Points program | Chase UR |
| Card network | Visa |
| Foreign transaction fee | None |
| Editorial score | 4.4 / 5 |
What you get
All 3 perks ↓Perks/yr up to
$1,300
Annual Fee
$95
Covers fee (realistic use)
6.8×
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
As of today, the Ink Business Preferred welcome offer is 100,000 points. CreditPoints has tracked 1 offer changes for this card; the tracked average is 100,000 points and the highest offer in our dataset is 100,000 points (March 2026).
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
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on 1 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Very Strong
Est. +$2,420 net first-year value
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
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
+$2,328
65% benefit utilization, minimal travel redemptions
Realistic
+$2,420
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$2,526
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$370/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists. 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
Issuer data snapshot
Card details captured: 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.
Chase
Sapphire Reserve
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Sapphire Preferred
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Amex
Amex Platinum
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Amex
Amex Gold
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All Ink Preferred 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 up to ~$1,300/yr in tracked benefits and credits typically covers 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.
What are the main benefits of the Ink Preferred?
The highest-value benefits we track on the Ink Preferred: Cell Phone Protection (~$1,000), Trip Delay Reimbursement (~$200), Purchase Protection (~$100). Combined tracked benefit value is up to ~$1,300 per year against the $95 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Ink Preferred?
Realistic target: 700+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 700+ 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.
What credit limit does the Ink Preferred come with?
Chase doesn't publish credit limits for the Ink Preferred — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
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.
Editorial guides
More on Ink Preferred and Chase
Employee Cards Strategy: How to Maximize Business Credit Card Rewards in 2026
Employee cards don’t earn separate welcome bonuses — but they pool every dollar of team spending toward yours. Here’s how to use them strategically.
Read
How to Get Approved for a Business Credit Card in 2026 (Even Without Business Revenue)
You don’t need an LLC or revenue to qualify — a side hustle is enough. Here’s exactly how to apply and what to do if you’re denied.
Read
Best Business Credit Cards for Companies With Employees in 2026
Free unlimited employee cards, per-employee spending controls, and a strategy most teams miss: employee spend counts toward your welcome bonus minimum spend.
Read
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. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
Ink Preferred
100,000 Ultimate offer