The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • Ink Business Preferred® Credit Card

    Great for big welcome offer and ongoing rewards


    • 1–3 Points per $1Rewards Rate
    • 21.24% – 26.24% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit

The Ink Business Preferred® Credit Card is tailor-made for today's savvy entrepreneurs and businesses. Its strategic rewards system ensures that travel and vital business operations transform into rewarding experiences. Frequent travelers can find solace in its comprehensive travel protections, while the myriad of consumer protections is like a safety net for your purchases. The inclusion of free cards for employees underlines its commitment to business scalability. This card isn't just a financial tool; it's a partner that understands and champions modern business needs.

Ink Business Preferred® Credit Card Overview

When selecting a credit card, thoroughly evaluating its features is necessary to ensure alignment with your financial goals and lifestyle needs.

  • Rewards Rate: 3X points on travel, shipping, internet, cable, phone services and advertising purchases ($150,000 combined purchases yearly). 1X points on all other spending.
  • Welcome Offer: Earn 100,000 bonus points after spending $8,000 in the first three months.
  • Regular APR: 21.24%–26.24% Variable
  • Annual Fee: $95
  • Introductory APR Offer: None

Important Card Details

The Ink Business Preferred® Credit Card promises benefits for the contemporary business landscape. MoneyGeek's analysis delves deeper into the card's key features, assessing their potential impact on everyday operations and long-term business strategy.

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    Welcome Offer

    The Ink Business Preferred® Credit Card starts strong with an impressive welcome offer of 100,000 bonus points after spending $8,000 in the first three months. This significant bonus can translate into substantial value, especially for travel through Chase Ultimate Rewards. The upfront value, potentially exceeding $1,000 when redeemed strategically, can be an immediate boost for new cardholders, making it an attractive proposition for businesses looking to maximize their credit card rewards.

  • rewards icon

    Lucrative Rewards Structure

    With the Ink Business Preferred® Credit Card, you're looking at 3X points on select business categories and travel (up to $150,000 in spending each year), followed by 1X points on other spending. This structure favors those who spend heavily on the specified categories, including shipping, internet, cable and phone services and advertising, turning everyday business expenses into lucrative rewards. The high cap ensures that larger businesses can benefit, while the 25% points bonus when booking travel through Chase’s platform further amplifies the value. This combination forms a synergistic rewards mechanism that can greatly benefit diverse business needs.

  • airplane icon

    Travel Protections

    Travel is often a vital part of business, and the Ink Business Preferred® Credit Card cushions your journey with robust travel protections. This includes trip cancellation and interruption insurance, which can reimburse up to $5,000 per person and $10,000 per trip for unexpected situations like illness or adverse weather. The primary rental car insurance provides significant peace of mind. The seamless integration of these protections into the card's offerings adds a layer of security and convenience tailored for frequent business travelers.

  • annualFee icon

    Modest Annual Fee

    You can view the annual fee of $95 as a modest investment due to the card's robust features and rewards: the high rewards cap, extensive travel and consumer protections, free employee cards and lack of foreign transaction fees. For businesses that can fully utilize the card's perks, the fee is easily justified and likely overshadowed by the accumulated benefits.

How the Ink Business Preferred® Credit Card Compares

Comparing the features and benefits of two credit cards can provide better insights into which card best aligns with your financial objectives and spending habits.

How This Card Compares

creditCard icon

Ink Business Preferred® Credit Card

  • Rewards Rate: 3X points on travel, shipping, internet, cable, phone services and advertising purchases ($150,000 combined purchases yearly). 1X points on all other spending.
  • Welcome Offer: Earn 100,000 bonus points after spending $8,000 in the first three months.
  • Regular APR: 21.24%–26.24% Variable
  • Annual Fee: $95
  • Intro APR Offer: None
  • Best For: Entrepreneurs and small to midsized business owners seeking robust reward structures and high-value welcome offers
creditCard1 icon

American Express® Business Gold Card

  • Rewards Rate: Earn 4X Membership Rewards® points on two select categories where you spend the most each billing cycle (on up to $150,000 combined spending per year, then 1X points) and 1X points on all other spending
  • Welcome Offer: Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months
  • Regular APR: 19.49%–27.49% (variable Pay Over Time APR)
  • Annual Fee: $295
  • Intro APR Offer: None
  • Best For: Dedicated business spend strategists eager to optimize rewards in high-expenditure categories

About Grace Pilling


Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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