The Chase Ink Business Preferred charges $95 a year and earns 3x on travel, shipping, advertising, and internet, cable and phone services on up to $150,000 a year, with points that transfer to Chase’s airline and hotel partners (Hyatt at 4:3 since October 1, 2026). Its main benefits beyond earning are cell phone protection up to $1,000 per claim, primary rental car coverage for business rentals, and trip cancellation and interruption insurance. Applicants report that it does not add to your Chase 5/24 count. Figures are as of 2026; confirm current terms at Chase.
What the Ink Business Preferred earns
| Category | Rate |
|---|---|
| Travel, shipping, advertising on social and search, and internet, cable, and phone | 3x (up to $150,000 combined per year) |
| Everything else | 1x |
The credits and perks
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The value is in the points and the built-in protections rather than statement credits.
| Credit or perk | Value | How it works |
|---|---|---|
| Cell phone protection | Up to $1,000 per claim | When you pay your monthly phone bill with the card |
| Primary rental coverage | Included | Primary auto coverage when renting for business |
| Trip protections | Included | Trip cancellation and interruption coverage |
The fee math
The $95 fee is easy to beat. A business spending even $40,000 a year in the 3x categories earns 120,000 transferable points, worth $1,200 through Chase Travel, up to $1,800 with Points Boost, and more when transferred to airline partners, before the protections. The points pool with a Sapphire card and transfer to Chase partners like Hyatt, at 4:3 from this card since October 1, 2026. Chase also caps you at 2 personal approvals in 30 days under the Chase 2/30 rule.
Who it fits and who it does not
It fits any business with travel, shipping, advertising, or internet spend that wants transferable Chase points and does not want a card that eats a 5/24 slot. It does not fit someone with no business activity. Many churners hold it alongside the no-fee Ink cards.
Chase Ink Business Preferred
Earn rates, credits, and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
More card guides
- Amex Business Platinum benefits
- Sapphire Preferred benefits
- Best business cards
- Chase transfer partners
- Chase Ink Business Cash benefits
- Chase Ink Business Unlimited benefits
Compare this card
FAQ
Is the Chase Ink Business Preferred worth it in 2026?
Yes for most businesses. The 3x on travel, shipping, ads, and internet up to $150,000 a year earns transferable Chase points that far exceed the $95 fee, and it adds cell phone and travel protection.
What does the Ink Business Preferred earn?
3x points on travel, shipping, advertising on social media and search engines, and internet, cable, and phone services, up to $150,000 combined a year, and 1x on everything else.
Does the Ink Business Preferred count against 5/24?
It does not add to your 5/24 count, but Chase requires you to be under 5/24 to be approved for it.
Do you need a real business for the Ink Business Preferred?
No. A sole proprietorship or side gig qualifies; you apply with your name and Social Security number.
Are Ink Business Preferred points transferable?
Yes. They are Chase Ultimate Rewards points, which pool with a Sapphire or other premium card and transfer to Chase airline and hotel partners.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
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