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Annual Fee$95
APR21.24% - 26.24%
Sign-up Bonus100,000 Ultimate Rewards points~$1250 value
Rewards3X travel
Credit Scoregood
Foreign FeesNone
+ Pros
- ✓Massive 100K signup bonus
- ✓3X on key business categories
- ✓Points transfer to airline/hotel partners
− Cons
- ✗$95 annual fee
- ✗3X categories cap at $150K/yr combined
- ✗No employee cards bonus
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| Travel | 3X | $500/mo | $270 |
| Shipping | 3X | $300/mo | $162 |
| Internet, cable, phone | 3X | $200/mo | $108 |
| Advertising | 3X | $400/mo | $216 |
| All other | 1X | $600/mo | $108 |
| Total Estimated Annual Rewards | $864 | ||
Perks & Credits
$600/claim
Cell Phone Protection
$5,000/trip
Trip Cancellation Insurance
CFPB Consumer Complaints(Last 12 months)
6,095Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Solopreneurs who ship products
- →Freelancers with advertising spend
- →Business travelers
Who Should Skip This Card
- →Under $5K annual spend
- →Prefer flat-rate rewards
- →No travel or shipping costs
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Chase Ink Business Preferred (this card) | $95 | 3X | 4.6/5 |
| Chase Ink Business CashBest No-Fee Business Card | $0 | 5% | 4.5/5 |
| American Express Business Gold CardBest Business Card for Variable Spending | $375 | 4X | 4.3/5 |
Frequently Asked Questions
Chase Ink Business Preferred
Best for Business Travel & Shipping
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Last updated: 2026-03-31