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Ink Business Preferred® Credit Card
Welcome Offer
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How to Earn Rewards
5x
Total points on Lyft rides through September 30, 2027 — qualifying Lyft purchases (rideshare, bike/scooter, subscriptions) made through the Lyft mobile app earn 2 additional points on top of the 3x travel rate
3x
Points on the first $150,000 spent each account anniversary year on combined purchases in: travel; shipping; internet, cable, and phone services; and social media and search engine advertising. (Maximum 450,000 bonus points per year possible from category spend.)
1x
Points on all other purchases (no cap)
Key Benefits
Tap any benefit to see details.
Cell Phone Protection (Up to $1,000/Claim)
Get up to $1,000 per claim and $1,500 per 12-month period in cell phone protection against covered theft or damage when you pay your monthly cell phone bill with the card. Maximum 3 claims per year, $100 deductible per claim.
Complimentary DashPass + $10/Month DoorDash Grocery Credit (Through Dec 31, 2027)
Complimentary access to DashPass by DoorDash for a minimum of one year (activate by 12/31/2027). Includes $0 delivery fees and reduced service fees. Plus, $10/month statement credit on DoorDash grocery and retail orders.
No Foreign Transaction Fees
No foreign transaction fees on international purchases. Useful for businesses with international travel or vendor payments.
Auto Rental Collision Damage Waiver (PRIMARY for Business Rentals)
PRIMARY auto rental collision damage waiver coverage for business rentals (most cards offer secondary). Charge the entire rental cost to your card and decline the rental company's CDW. Major benefit for businesses with car rental expenses — primary coverage means you don't have to file with your own insurance first.
Trip Cancellation/Interruption Insurance (Up to $5,000/Person, $10,000/Trip)
Reimbursement for prepaid, non-refundable passenger fares if your trip is canceled or cut short by sickness, severe weather, or other covered situations. Up to $5,000 per traveler and $10,000 per trip.
Trip Delay Reimbursement
Reimbursement for unreimbursed expenses (meals, lodging, toiletries, transportation) when a covered trip is delayed for more than 12 hours or requires an overnight stay.
Purchase Protection (120 Days, $10K/Item, $50K/Account)
Purchase protection covers eligible new purchases for 120 days from the date of purchase against damage or theft. Up to $10,000 per claim and $50,000 per account. Significantly higher limits than personal cards (Sapphire Reserve = $10K/item; this matches).
Extended Warranty (+1 Year on Eligible 3-Yr-or-Less Warranties)
Adds an additional year to eligible U.S. manufacturer's warranties of 3 years or less, up to a maximum of 4 years from date of purchase.
Roadside Dispatch
Pay-per-use 24/7 roadside assistance program — no annual fee, just standard roadside service rates per call (towing, tire change, jump start, lockout service, fuel delivery, etc.).
Visa Business Benefits + Concierge
Standard Visa Business benefits including 24/7 concierge service, lost luggage reimbursement, baggage delay reimbursement, and travel/emergency assistance.
Free Employee Cards (With Spending Limits)
Add unlimited employee cards at no extra cost. Set individual spending limits per employee. Earn rewards on their business spending.
Doesn't Report to Personal Credit (5/24 Friendly Post-Approval)
As a Chase business card, this does NOT automatically report to your personal credit report — does NOT count toward Chase's 5/24 rule once approved (though it counts when you APPLY).
1:1 Transfer to All Chase Ultimate Rewards Partners
Transfer Ultimate Rewards points 1:1 to all 14 Chase travel transfer partners — including Hyatt, United, Southwest, Air France-KLM Flying Blue, British Airways, Iberia, Singapore KrisFlyer, etc. KEY DIFFERENTIATOR vs Ink Cash/Unlimited which can only transfer points if pooled with a Sapphire/Preferred/Premier card.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. This card will allow you to transfer its points to all of Chase's travel partners like Hyatt, United, Southwest, and more. Note that after October 1, 2026 this card will have a reduced transfer ratio to Hyatt (4:3 instead of 1:1).
I also love the 3x earning on travel expenses and no foreign transaction fees on this card.
Want to learn more about Chase Ultimate Rewards®? Check out season 1 of Points for Normal People (the podcast) — we go into detail there. And see more ideas for how to use your points on Katie's site.
*Nota bene:* If you have multiple business cards from Chase already, it might be harder to be approved. Chase also added more approval restrictions to this card if you've previously had this in the past.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 100,000 Bonus Points (ELEVATED)CurrentElevated | $8,000 in 3 months | Current ELEVATED offer; available online since early January 2026 |
| 80,000 Bonus Points | $8,000 in 3 months | Standard baseline offer |
| 90,000 Bonus Points | $8,000 in 3 months | Standard offer for most of 2025 |
| 100,000 Bonus Points (Older) | $15,000 in 3 months | Older offer with higher spend requirement |
| 120,000 Bonus Points (BEST-EVER)Elevated | $8,000 in 3 months | Best-ever; ran July - early September 2024 |
