Chase Ink Business Preferred card review: Full det...

The Ink Business Preferred® Credit Card (see rates and fees) is a superb all-around enterprise bank card, providing a large welcome bonus and the flexibility to earn beneficial Final Rewards factors on a wide range of enterprise bills. These rewards can then be transferred to 14 airline and lodge companions or redeemed instantly for journey at a fee of as much as 1.75 cents per level by means of Chase Travel℠ with Factors Increase. Card ranking*: ⭐⭐⭐⭐½

*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Ink Business Preferred is a TPG favourite.

Though there are a lot of stable business credit cards accessible, the Ink Enterprise Most popular has distinctive perks that make it engaging for enterprise homeowners trying to maximize their incomes potential and unlock beneficial rewards by means of the Ultimate Rewards program.

The cardboard has a $95 annual price, making it very attainable for many. For the very best probabilities of approval, you will desire a credit score of at the very least 670.

Let’s take a more in-depth have a look at the Ink Enterprise Most popular so you possibly can resolve if it is a good match for your corporation.

If authorized for the Ink Business Preferred, you will be eligible to earn a welcome bonus of 90,000 bonus factors after spending $8,000 within the first three months from account opening.

This is not fairly the highest welcome bonus we’ve seen on this card, nevertheless it meets our standards of when to use.

Based mostly on TPG’s August 2025 valuations, the bonus factors alone are value a whopping $1,845. That is primarily as a result of the factors will be transferred to numerous journey companions, together with British Airways, Southwest Airlines and United Airlines.

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To unlock the welcome supply, you will have to spend a median of $2,667 per thirty days within the first three months. For a lot of small companies, this degree of spending could also be a non-issue. Moreover, small companies with a number of workers can request limitless free worker playing cards to assist meet the spending requirement.

Nevertheless, freelancers or those that desire a enterprise bank card to earn rewards on bills associated to a facet gig could not be capable to realistically hit the bonus. And you do not wish to violate TPG’s sixth commandment for bank cards: Thou shalt not miss out on a welcome bonus.

Associated: Who is eligible for the Chase Ink Business Preferred card?

• Cellphone protection: For those who’re vulnerable to damaging your cellphone, the Ink Business Preferred might be an awesome card to have. Whenever you cost your month-to-month cellphone invoice to the cardboard, you and eligible workers on the plan can obtain as much as $1,000 per declare for harm or theft of cellphones. You are restricted to a few claims in a 12-month interval and should pay a $100 deductible per declare. Nonetheless, this can be a terrific profit that’s comparatively uncommon amongst bank cards.
• Purchase protection: Moreover cellphone safety, you are coated for different purchases. If an eligible merchandise is broken or stolen throughout the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account). This generally is a lifesaver if one thing goes fallacious with that new buy.
• Trip cancellation/interruption insurance: For those who should cancel or lower a visit quick due to a coated concern (reminiscent of sickness or extreme climate), you are eligible for as much as $5,000 of protection per individual for pay as you go, nonrefundable journey bills, which gives nice peace of thoughts when sudden issues come up.
• Trip delay reimbursement: If a coated journey is delayed by a coated hazard for 12 or extra hours — or lengthy sufficient to require an in a single day keep — you will be eligible for reimbursement, as much as $500 per ticket in affordable bills. This could prevent in conditions like poor climate, the place the airline typically will not present any compensation. Be aware that you simply solely have to cost a part of your common-carrier fare to the cardboard to make use of this profit, so you will be covered on award tickets for those who put the taxes and charges on the cardboard.
• Primary car rental coverage: Renting a automotive generally is a dangerous (and costly) proposition, however for those who use the Ink Enterprise Most popular card for all the rental value and are touring for enterprise functions, you are coated for theft and harm within the U.S. and most international locations around the globe. Keep in mind that this does not supply any legal responsibility protection, however you’re coated as much as the precise money worth of the automobile you are renting.
• Extended warranty protection: Purchases with a U.S. producer’s guarantee of three years or much less will get protection for an additional yr. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.

The Ink Enterprise Most popular additionally gives varied enterprise instruments, together with account insights, bookkeeping integration and account alerts. Probably the most beneficial good thing about this card continues to be most likely cellphone safety. Not many playing cards supply this perk, and contemplating the Ink Enterprise Most popular additionally gives 3 factors per greenback spent on cellphone providers, this can be a win-win.

The Ink Enterprise Most popular does not supply a lot in the best way of journey credit, lounge entry or different luxurious advantages that rivals have, reminiscent of The Business Platinum Card® from American Express with its $695 annual price (see rates and fees).

Nevertheless, for less than a $95 annual price, this card gives lots of worth to cardholders.

Associated: Is the Ink Business Preferred worth the annual fee?

In terms of incomes factors, the Ink Business Preferred gives a wide range of bonus classes that may be fairly profitable to small-business homeowners. You may earn 3 factors per greenback spent on the primary $150,000 spent in mixed purchases annually within the following classes:

• Journey
• Transport purchases
• Web, cable and cellphone providers
• Advertising purchases made with social media websites and search engines like google

This $150,000 threshold relies in your account anniversary yr, so it’s going to reset annually while you renew your card. Since TPG’s August 2025 valuations peg the worth of Chase Final Rewards factors at 2.05 cents apiece, you will get a improbable return of 6.15% on purchases in these classes.

And for those who max out these classes by spending the total $150,000, you will take residence a complete of 450,000 Final Rewards factors, which our valuations peg at a whopping $9,225.

As soon as you’ve got surpassed that mark, your purchases within the aforementioned classes will drop to match the incomes fee of all different purchases: 1 level per greenback spent. Although that is not too thrilling, you are still over a 2% return, which is not unhealthy for a card with a $95 annual price.

Associated: How to meet minimum spending on the Ink Business Preferred

Incomes an enormous haul of factors is one factor; redeeming them for maximum value is a completely totally different story.

Like most playing cards that earn transferable factors, you get essentially the most worth while you redeem your Ink Business Preferred rewards for journey by transferring them to any of Chase’s 14 lodge and airline companions or reserving journey instantly by means of Chase Journey.

You may redeem these factors at a fee of as much as 1.75 cents apiece, relying on the particular redemption, for journey purchases like flights, accommodations and rental automobiles that you simply e-book by means of Chase Journey because of the brand new Points Boost redemption option.

Or, if in case you have the Chase Sapphire Reserve® (see rates and fees) or the Chase Sapphire Reserve for Business℠ (see rates and fees) you possibly can switch your factors to that card and redeem them at a fee of as much as 2 cents apiece towards journey, relying on the particular redemption.

For those who’re an present cardholder whose account was opened earlier than June 23, any factors you earned previous to Oct. 26, 2025, will be redeemed through Chase Journey on the outdated mounted fee of 1.25 cents per level or as much as 1.75 cents per level with Factors Increase (whichever is larger) till Oct. 26, 2027.

Regardless that you will get lower than TPG’s August 2025 2.05-cent valuation of Final Rewards factors with this redemption possibility, it is easy and does not require a lot effort.

Keep in mind that while you redeem Final Rewards factors instantly for airfare, you’ll nonetheless earn miles and elite credit score, simply as you’d on a daily paid ticket. Nevertheless, that is typically not the case with lodge bookings.

Associated: What’s the difference between Chase’s The Edit properties and Points Boost?

You even have the choice to switch your factors to any of Chase’s 14 hotel and airline partners. You may doubtless get essentially the most worth out of your factors by going this route, because of robust switch companions like Air France-KLM Flying Blue, United MileagePlus and World of Hyatt.

As well as, most of those transfers post instantly, guaranteeing you will not have to attend for the factors or miles to reach and miss out on the redemption you need.

TPG bank cards author Chris Nelson likes to maximise his Final Rewards factors by transferring them to Hyatt. He only in the near past transferred 6,500 Final Rewards factors for a short in a single day keep on the Hyatt Place Amsterdam airport, the place money charges have been operating $200 plus.

No matter which companion you select, the ability of the Final Rewards program (and actually any transferable point currency) is the flexibleness it permits. You are not locked right into a single airline or lodge rewards program, and you may wait till you are able to e-book to switch factors.

Associated: How much are Chase Ultimate Rewards points worth?

With a low annual price, beneficial factors, profitable incomes charges and stable advantages, the Ink Business Preferred is a superb possibility for a lot of small companies. Nevertheless, there are a couple of different choices that might be a greater match to your firm:

• If you’d like extra customizable incomes classes: The American Express® Business Gold Card carries a better annual price of $375 (see rates and fees), however you will earn 4 factors per greenback spent in your highest two spending classes every billing cycle (on the primary $150,000 in mixed purchases every calendar yr, then 1 level per greenback spent thereafter). If you cannot maximize the Ink Enterprise Most popular’s classes or your spending varies from month to month, this can be a greater possibility. To study extra, learn our full review of the Amex Business Gold.
• For those who do not wish to fear about bonus classes: The Capital One Spark Miles for Business card gives at the very least 2 miles per greenback spent on all purchases. This card has a $0 introductory annual price for the primary yr, then $95 annually after. You continue to have entry to transfer partners through Capital One, although you will sacrifice further perks. To study extra, learn our full review of the Capital One Spark Miles card.
• For those who do not wish to pay an annual price: The Ink Business Unlimited® Credit Card (see rates and fees) earns 1.5% again on each buy at no annual price, plus fundamental perks like buy safety and the choice so as to add worker playing cards at no further value. To study extra, learn our full review of the Ink Business Unlimited.

For extra choices, try our information to the best business credit cards.

Associated: Ink Business Preferred vs. Capital One Spark Miles for Business

For those who’re simply beginning out, we extremely advocate beginning with this card, particularly for those who can pair it with different playing cards, such because the Chase Sapphire Reserve and Chase Freedom Unlimited® (see rates and fees), to maximise your rewards throughout much more purchases.

Apply right here: Ink Business Preferred Credit Card

For charges and charges of the Amex Enterprise Platinum, click on here.
For charges and charges of the Amex Enterprise Gold, click on here.