The Chase Ink Business Preferred credit card stands out as one of the most compelling business credit cards available in 2025, offering exceptional value through its generous welcome bonus and robust rewards structure. With a modest $95 annual fee and the ability to earn valuable Chase Ultimate Rewards points, this card delivers outstanding returns for business owners across various spending categories.
Outstanding Welcome Bonus Worth $1,845
The Chase Ink Business Preferred currently offers an impressive 90,000 bonus points after spending $8,000 on purchases within the first three months of account opening. According to current valuations, this welcome bonus is worth approximately $1,845 when redeemed for travel, making it one of the most generous introductory offers among business credit cards with similar annual fees.
This substantial spending threshold of $8,000 over three months translates to roughly $2,667 per month, which many small businesses can achieve through routine expenses such as office supplies, software subscriptions, travel costs, and operational purchases.
Chase Ink Business Preferred: Powerful 3X Rewards Categories for Business Spending
The card’s earning structure is specifically designed to maximize rewards on common business expenses. Cardholders earn 3 points per dollar on the first $150,000 spent annually across four key categories:
- Travel purchases – Including flights, hotels, car rentals, and ground transportation
- Shipping purchases – Covering shipments through major carriers like FedEx, UPS, and USPS
- Internet, cable, and phone services – Business telecommunications and connectivity costs
- Advertising purchases – Social media and search engine advertising through platforms like Google, Facebook, and Instagram
All other purchases earn 1 point per dollar with no earning caps. If you maximize the $150,000 spending limit across these bonus categories, you’ll accumulate 450,000 Ultimate Rewards points annually, valued at approximately $9,225 (Chase Ink Business Preferred) .
Flexible Chase Ultimate Rewards Points
Chase Ultimate Rewards points are among the most valuable and versatile points currencies available. These points can be redeemed through multiple channels:
Transfer Partners
Points transfer at a 1:1 ratio to 14 airline and hotel loyalty programs, including:
Airlines:
- Air Canada Aeroplan
- British Airways Club
- United MileagePlus
- Southwest Airlines Rapid Rewards
- Singapore Airlines KrisFlyer
- Virgin Atlantic Flying Club
- Air France-KLM Flying Blue
- Emirates Skywards (partnership ends October 16, 2025)
- JetBlue TrueBlue
- Aer Lingus AerClub
- Club Iberia Plus
Hotels:
- Marriott Bonvoy
- World of Hyatt
- IHG One Rewards
Enhanced Travel Portal Value
Until October 25, 2025, points redeemed through the (Chase Ink Business Preferred) Chase Travel portal receive a 25% bonus, making each point worth 1.25 cents for travel bookings. After this date, the new Points Boost system will determine redemption values.
Comprehensive Business Benefits and Protections
Industry-Leading Cell phone Protection
The Chase Ink Business Preferred provides exceptional cell phone protection coverage:
- Coverage amount: Up to $1,000 per claim after a $100 deductible
- Annual limit: Maximum of 3 claims per 12-month period
- Coverage scope: Accidental damage, theft, and involuntary separation
- Eligibility: All employee phones listed on the monthly bill are covered when paid with the card
This benefit is particularly valuable given that the card also earns 3X points on phone service payments, creating a dual advantage for business telecommunications expenses.
Travel and Purchase Protections
The card includes comprehensive protection benefits:
- Primary auto rental collision coverage for business rentals
- Trip cancellation and interruption insurance up to $5,000
- Purchase protection covering new purchases for 120 days up to $10,000 per claim
- Extended warranty protection adding one year to manufacturer warranties
- No foreign transaction fees for international business travel
Employee Card Management
Business owners can issue employee cards at no additional cost, making expense management more efficient while ensuring all employee spending earns valuable Ultimate Rewards points.
Competitive Annual Fee Structure
At just $95 annually, the Chase Ink Business Preferred offers exceptional value compared to premium business cards that often charge $400-$700 in annual fees. This accessible fee structure makes the card attractive for businesses of all sizes, from sole proprietorships to established enterprises.
Eligibility Requirements and Application Process
Business Requirements
The card is available to a wide range of business entities:
- Limited liability companies (LLCs)
- S corporations and partnerships
- Sole proprietorships
- Freelancers and independent contractors
Credit Score Expectations
Applicants typically need a good to excellent credit score, generally 670 or higher, with scores of 740+ recommended for the best approval odds.
Chase 5/24 Rule Considerations
The card is subject to Chase’s 5/24 rule, which may result in application denial if you’ve opened five or more new credit card accounts (from any issuer) within the past 24 months.
Current Interest Rates and Fees
- Purchase APR: 20.24%-26.24% Variable
- Annual Fee: $95
- Foreign Transaction Fee: None
- Balance Transfer APR: Variable based on creditworthiness
- Cash Advance APR: Higher variable rate
- Minimum Credit Limit: $5,000
Competitive Comparison: Why Choose the Ink Business Preferred
vs. Capital One Spark Miles for Business
While the Spark Miles offers simplicity with flat-rate earning, the (Chase Ink Business Preferred) Ink Business Preferred provides superior value for businesses with spending aligned to its bonus categories. The Ultimate Rewards transfer partners also offer more flexibility than Capital One’s transfer options.
vs. American Express Business Gold
The Business Gold card offers higher earning rates in some categories but comes with a significantly higher annual fee. The Ink Business Preferred’s moderate fee and strong welcome bonus make it more accessible for growing businesses.
vs. Chase Sapphire Reserve for Business
The new Sapphire Reserve for Business offers premium perks but carries a $795 annual fee. The Ink Business Preferred (Chase Ink Business Preferred) delivers excellent value for business owners who prioritize rewards over luxury benefits.
Maximizing Your Rewards Strategy
Category Optimization
Focus your spending on the 3X bonus categories to maximize point accumulation. Consider timing large advertising campaigns, equipment shipments, or travel bookings to align with the (Chase Ink Business Preferred) card’s earning structure.
Points Pooling Strategy
Combine the Ink Business Preferred with other Chase cards like the Ink Business Unlimited (1.5X on all purchases) to create a comprehensive business rewards ecosystem.
Transfer Partner Sweet Spots
Research high-value redemptions through transfer partners, such as United MileagePlus for domestic flights or Hyatt for hotel stays, to maximize point values beyond cash back rates.
Potential Drawbacks to Consider
Spending Cap Limitations
The 3X earning rate is capped at $150,000 annually across all bonus categories combined. Heavy spenders may exceed this threshold and earn only 1X points on additional purchases.
Business Documentation Requirements
Some applicants, particularly sole proprietors and freelancers, may need to provide additional business documentation during the application process.
Limited Premium Travel Benefits
Unlike high-fee premium cards, the Ink Business Preferred doesn’t include airport lounge access, travel credits, or luxury concierge services.
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Who Should Apply for the Chase Ink Business Preferred
- Small to medium-sized business owners with moderate to high spending
- Companies with significant travel, shipping, telecommunications, or advertising expenses
- Business owners who value flexible points over cash back
- Entrepreneurs seeking comprehensive purchase and travel protections
- Businesses looking to optimize expense management with employee cards
Final Verdict: Exceptional Value for Business Owners
The Chase Ink Business Preferred credit card delivers outstanding value through its combination of a generous welcome bonus, lucrative earning categories, flexible redemption options, and comprehensive benefits package. At just $95 annually, it provides business owners with access to premium rewards typically associated with much higher-fee cards.
The card’s strength lies in its practical approach to business rewards (Chase Ink Business Preferred), focusing on categories where companies actually spend money while providing meaningful protections like cell phone coverage and travel insurance. For business owners who can maximize the 3X earning categories and leverage the Ultimate Rewards ecosystem, the Ink Business Preferred represents one of the best values in the business credit card market today.
Current promotional offer: 90,000 bonus points after spending $8,000 in the first three months, plus ongoing 3X rewards on select business categories with a $95 annual fee.
