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Chase · Updated July 2026
Chase Ink Business Preferred Review (2026)
The best-value business travel card: earn transferable Chase Ultimate Rewards on core business categories, with premium travel protections and a $95 fee.
Annual fee
$95
Welcome bonus
100,000 bonus points after
Annual fee
$95
Welcome bonus
100,000 bonus points after spending $8,000 on purchases in the first 3 months
Rewards rate
3X on the first $150,000 spent each account anniversary year in combined travel, shipping, internet/cable/phone, and advertising with social media and search engines; 1X on all other purchases.
Points value
1.25¢ per point through Chase Travel℠ (more via transfer partners)
Credit score
Good to Excellent (670–850)
Network
Visa Signature Business
Foreign tx fee
None
Regular APR
19.24%–29.24% Variable
Is the $95 fee worth it?
Ideal for
- Small business owners with meaningful travel, shipping, or advertising spend
- Anyone who wants transferable Chase points from a business card at a low fee
- Cardholders who can pool points with a personal Sapphire or Freedom card
- Business travelers who value cell phone protection and primary rental coverage
Not ideal for
- Sole proprietors with little spend in the 3X bonus categories
- Those wanting lounge access or hotel elite status
- People who prefer flat-rate cash back with no category tracking
Transfer partners
| Partner | Ratio | Transfer time | Bonuses |
|---|---|---|---|
| United MileagePlus | 1:1 | Instant | Rare transfer bonuses |
| Southwest Rapid Rewards | 1:1 | Instant | No recent transfer bonuses |
| British Airways Executive Club | 1:1 | Instant | Occasional 30% transfer bonuses |
| Air France-KLM Flying Blue | 1:1 | Instant | Occasional transfer bonuses |
| Virgin Atlantic Flying Club | 1:1 | Instant | Occasional 30% transfer bonuses |
| World of Hyatt | 1:1 (drops to 4:3 on Oct 1, 2026) | Instant | Ink Preferred transfers move to 4:3 on Oct 1, 2026 |
| Marriott Bonvoy | 1:1 | Instant | No recent transfer bonuses |
| IHG One Rewards | 1:1 | Instant | No recent transfer bonuses |
How we rate & review credit cards
CreditMilesGuru's editorial team evaluates cards on annual-fee value, welcome bonus, ongoing earn rates, transfer-partner quality, travel protections, credits and perks, and the current competitive landscape. Our ratings are independent — we are not paid by issuers to rate cards favorably. This review was last updated July 2026.
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