Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred is quite a rewarding credit card. You’ll get 3X points per dollar in four different bonus categories, which is a pretty great deal. And you can redeem those points for a 25% bonus through Chase Ultimate Rewards, which makes it even better. Or you can transfer your points to a variety of frequent traveler programs, where you might get more value for them.

You can order free employee cards to enhance your ability to earn rewards, and set individual spending limits for them. There are no foreign transaction fees so you can make purchases from anywhere in the world without paying extra. There are also some travel and shopping protections, to help out in case something goes wrong.

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Quick View

  • Rewards
    • 3X points per dollar on the first $150,000 spent per year on:
      • travel
      • shipping
      • Internet, cable, and phone services
      • Advertising purchases made with social media sites and search engines
    • 1X point per dollar on all other purchases
    • 25% point bonus when you redeem through Chase Ultimate Rewards
  • Signup Bonus 80,000 bonus points for spending $5,000 in the first 3 months after account opening
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 17.24%–22.24% Variable
  • Cash Advance APR 26.24% Variable
  • Penalty APR 29.99% Variable
  • Late Fee Up to $39
  • Returned Payment Fee Up to $39

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 20,000 Bonus Points per Referral

    Invite other business owners to apply for this card, and you’ll get 20,000 bonus points for every successful application. Up to 100,000 points per year.

  • Free Employee Cards

    Add employee cards to your account at no cost. Set individual spending limits for the card, and earn rewards faster.

  • 1:1 Point Transfer to Frequent Traveler Programs

    Transfer your points to a variety of airline and hotel loyalty programs. Included are Southwest Airlines Rapid Rewards®, United MileagePlus®, IHG® Rewards Club, and Marriott Rewards®.


  • Zero Liability Protection

    Cardholders aren’t held responsible for unauthorized transactions.

  • Fraud Protection

    Real-time monitoring for fraudulent activity to help ensure the safety of your account.


  • Cell Phone Protection

    When you pay your monthly cell phone bill with the card, provides coverage for theft or damage of your cell phone. Up to $600 per claim, $100 deductible per claim, maximum of 3 claims in a 12 month period. Applies to you and your employees listed on your monthly bill.

  • Purchase Protection

    Provides coverage for 120 days against theft and damage, up to $10,000 per claim and $50,000 per account.

  • Extended Warranty Protection

    Eligible warranties of 3 years or less can be extended by up to an additional year.


  • Travel and Emergency Assistance Services

    Provides a number of emergency services, 24/7. Services include sending emergency messages, providing medical and legal referrals, ticket and document location, and translation services.

  • Travel Accident Insurance

    Cardholders are eligible for accidental death or dismemberment coverage. Applies to transportation via air, train, bus or cruise purchased with this card.

  • Auto Rental Collision Damage Waiver

    Covers collision damage and theft on most rented cars in the U.S. and abroad. Cardholder must purchase the rental with the card and decline the rental company’s collision insurance. Coverage is primary when renting for business purposes. Provides coverage up to the actual cash value of the vehicle.

  • Roadside Dispatch

    Provides assistance while on the road, such as a locksmith, tire change, or towing services. Cardholder will be charged $69.95 per service call. Additional fees may apply.

  • Trip Cancellations/Trip Interruptions Insurance

    Provides reimbursement up to $5,000 per trip if your trip is cancelled or cut short because of sickness, severe weather, or other conditions. Funds are available for pre-paid non-refundable travel expenses, like passenger fares, tours, and hotels.

Visitor Reviews

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