Chase Ink Business Preferred
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Benefits and fees last verified Jun 2026against the issuer's published terms.
100,000 Ultimate Rewards points for $8,000 of spend across your first 3 months. $95 annual fee.
- Annual fee
- $95
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.
Earning Rates
At a glance
- 100,000 point sign-up bonus
- 3x on travel, shipping, ads, internet ($150k cap)
- Cell phone protection
- Transfer to UR partners
Important considerations
- High spend to earn the bonus
You must spend $8,000 within 3 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified Jun 2026.
Earning rates
6- 3xlodging
3x points on travel purchases (including airfare, hotels, car rentals, taxis, trains, cruises, and other travel categorized as travel by the merchant), on the first $150,000 spent in combined bonus categories each account anniversary year
- 3x
3x points on shipping purchases, on the first $150,000 spent in combined bonus categories each account anniversary year (a flagship Ink Preferred category aimed at small business shipping spend with UPS, FedEx, USPS, and similar)
- 3x
3x points on advertising purchases made with social media sites and search engines, on the first $150,000 spent in combined bonus categories each account anniversary year (covers Meta / Facebook / Instagram, Google Ads, Microsoft / Bing Ads, LinkedIn, X / Twitter, TikTok Ads, etc., when coded as advertising by the merchant)
- 3x
3x points on internet, cable, and phone services, on the first $150,000 spent in combined bonus categories each account anniversary year (covers business and home internet, cable TV, mobile, and landline phone bills)
- 5xtravel
5x total points on qualifying Lyft rides through 9/30/2027 when paid with the Ink Business Preferred card (rideshare, bike and scooter rides, subscription and membership products; 3 extra points stacked on the 2x earned from the 3x travel category)
- 1xeverything else
1x points on all other business purchases, with no limit to the amount you can earn
Statement credits
1- $120DoorDash Non-Restaurant CreditMonthly
Up to $10 a month off one qualifying non-restaurant (grocery and retail) DoorDash order while enrolled in the Ink Business Preferred complimentary DashPass membership (DashPass benefit available when activated by 12/31/2027).
Perks & memberships
8- MembershipComplimentary DoorDash DashPass membership when activated by 12/31/2027 with the Ink Business Preferred card, providing $0 delivery fees and reduced service fees on eligible orders for a minimum of one year
- Membership$10 off discount each calendar month at checkout on one qualifying non-restaurant DoorDash order while enrolled in the Ink Business Preferred DashPass membership (subtotal only, no rollover, expires monthly)
- RedemptionRedeem Ultimate Rewards points for cash, gift cards, travel, and pay with points through the Chase Ultimate Rewards program (Ink Business Preferred earns the same Ultimate Rewards currency as the Sapphire cards, so points pooled into a Sapphire account get the higher portal redemption rate)
- RedemptionPoints Boost on Chase Travel: up to 1.75 cents per point value on select flight bookings (rate varies by airline and class of service), per One Mile at a Time Ink Business Preferred review documenting the Chase Travel Points Boost program for Ultimate Rewards cards
- No foreign feesNo foreign transaction fees on purchases made outside the United States
- Authorized usersFree employee cards with the same Ink Business Preferred rewards earning and optional individual spending limits per employee (set by the Authorizing Officer), no separate annual fee per employee card
- Payment flexibilityChase Pay Over Time: eligible cardmembers can split eligible purchases of $100 or more into fixed monthly payments with a fixed monthly fee and no interest, while still earning points on the original purchase
- Authorized usersAuthorized users at no additional annual fee for business owners, plus the ability to add employee cards at no additional cost
Travel & purchase protections
7- Trip cancellation and interruption insurance: up to $5,000 per trip for pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels, when canceled or cut short by a covered reason (sickness, severe weather, etc.) (per Chase Ink Business Preferred product page benefit copy; note this is a lower coverage limit than the $10,000 per traveler / $20,000 per trip on Sapphire Preferred)
- Trip delay reimbursement: up to $500 per ticket for unreimbursed expenses (meals and lodging) when common carrier travel is delayed more than 12 hours or requires an overnight stay (per One Mile at a Time Ink Business Preferred review)
- Primary auto rental collision damage waiver (CDW) when renting for business purposes: decline the rental company's collision insurance and charge the entire rental cost to the Ink Business Preferred card, and Chase reimburses up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less. This is one of the Ink Preferred's standout benefits versus other small business cards because the primary-when-renting-for-business coverage applies in the United States as well as internationally; for personal rentals on the card, coverage is primary outside the U.S. and secondary inside the U.S. (per One Mile at a Time Ink Business Preferred review)
- Purchase protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item (per Chase Ink Business Preferred product page; the per-item cap is 20x the $500 per claim limit on Sapphire Preferred, making Ink Preferred materially stronger for protecting individual high-value business equipment purchases)
- Extended warranty protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years from the date of purchase (per Chase Ink Business Preferred product page)
- Roadside assistance: cardmember-pays roadside dispatch service available 24/7, covering services such as towing, tire changing, jump-starting, and lockout assistance (fees billed at the time of service)
- Fraud protection with $0 liability on unauthorized charges and Chase real-time account alerts via email, text, or push notification
More benefits & fine print (1)ShowHide
- $150,000 combined annual cap across all four 3x categories per account anniversary year; after the combined cap is reached, spend in those categories earns the base 1x rate (anniversary year is a rolling 12 months from your account open date, not a calendar year)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $8,000 in the first 3 months to earn the 100,000 points bonus.
See the Current Offer
Earn 100,000 points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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