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Credit cards › Airline cards › Delta SkyMiles Reserve

Ink Business Preferred Credit Card

Updated July 2026 · 6 min read

Quick verdict

The Ink Business Preferred is the top Chase business card for points. At $95 a year you earn 100,000 bonus points after $8,000 spend, 3x on travel and select business categories up to $150,000 annually, and can transfer points to the same airline and hotel partners as the Sapphire cards.

☆☆☆☆☆

★★★★★

Chase - Business Travel Card

The Ink Preferred is the best $95 business card for points. The 3x categories cover the most common small business expenses -- travel, shipping, digital advertising, and telecom -- up to $150,000 annually. Points transfer to the same 14+ partners as the Sapphire cards, making this one of the most powerful business cards for travel redemptions.

Welcome offer

100,000 Bonus Points

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Annual fee $95

Minimum spend $8,000

Approx. signup value $2,000

Yearly recurring value $0

Apply now →

Rates & fees · Terms apply

Pros & cons

Pros

100,000-point welcome offer is one of the highest ever for a $95 business card
3x covers travel, shipping, advertising, and phone -- the four most common SMB expenses
Transfer to 14+ airline and hotel partners including Hyatt, United, and Air France
Cell phone protection up to $1,000 per claim when paying monthly bill with the card
No foreign transaction fees
Points pool with personal Sapphire cards for combined redemption power

Cons

$8,000 spend in 3 months is a meaningful requirement for smaller businesses
3x capped at $150,000 in combined categories per year -- very few businesses hit this
1x on all other spending makes this a poor card for non-category purchases
No lounge access or travel credits
Requires a business entity or sole proprietorship to apply

Who this card is for

✓ Good fit

Small business owners who spend heavily on travel, digital advertising, shipping, or phone services

✓ Good fit

Entrepreneurs who want to pool business points with a personal Sapphire card for maximum transfer value

✓ Good fit

Business travelers who want transferable points rather than airline or hotel-locked miles

✓ Good fit

Those targeting Hyatt, United, or other Chase transfer partners for high-value redemptions

✕ Skip it

Businesses whose spending falls mostly outside the 3x categories

✕ Skip it

Owners who prefer simple cash back over points and transfer complexity

✕ Skip it

Those who cannot hit $8,000 in spend within 3 months for the welcome offer

Earning rates

Points on travel, shipping purchases, internet/cable/phone services, and advertising purchases on social media and search engines. Up to $150,000 in combined purchases per year, then 1X.

Points on all other purchases.

Benefits breakdown

The Ink Preferred earns at a flat 3x on the categories where most small businesses spend most -- travel, shipping, telecom, and digital advertising. Points transfer to 14+ airline and hotel partners.

100,000 Welcome Bonus

One of the highest standard offers on any $95 business card.

Perk

3x Business Categories

Travel, shipping, internet/cable/phone, and social media/search advertising up to $150,000/year combined.

Perk

Transfer Partners

14+ airline and hotel partners including Hyatt, United, Air France, and British Airways at 1:1.

Perk

Cell Phone Protection

Up to $1,000 per claim and $1,800 per year when you pay your monthly phone bill with the card. $100 deductible per claim.

Perk

Trip Cancellation Insurance

Up to $5,000 per trip for covered cancellations.

Perk

No Foreign Transaction Fees

No fees on international purchases.

Perk

Estimated value $0

After 95 fee ~$-95 net

What to look out for

$8,000 Spend Requirement

The welcome offer requires $8,000 in 3 months. Plan your largest business purchases around account opening to hit the threshold.

3x Cap at $150,000

Combined category spending above $150,000 drops to 1x. Very few small businesses hit this, but high-volume advertisers should note it.

Requires Business Entity

You need a business -- sole proprietorships qualify, but you cannot apply with purely personal income.

Our take

The Ink Preferred is the business card we recommend most often alongside the Sapphire Preferred or Reserve. The 3x categories align perfectly with how most small businesses spend -- digital ads, phone bills, shipping, and travel. Points earned here pool directly with your personal Chase account, creating a combined balance you can transfer to Hyatt or United. At $95 with a 100,000-point bonus, the value equation is hard to match. See how to maximize Ultimate Rewards across both personal and business cards in our Ultimate Rewards guide.

The 100,000-point welcome offer after $8,000 spend is one of only a few times this card has reached this level. At 1.5 cents per point through transfer partners, that is $1,500 in potential travel value for a $95 card. This offer has historically reverted to 90,000 points. Apply before it drops. For the full Chase business card lineup and how the Ink cards work together, see our Chase card overview.