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3X points on $150K in business spend with 14 transfer partners
Earn 3X points on travel, shipping, advertising, and internet/cable/phone on your first $150,000 in combined annual spend. Transfer points 1:1 to 14 airline and hotel partners for 1.5-2+ cents each. Get primary rental car coverage, $1,000 cell phone protection, and complimentary DashPass — all for a $95 annual fee.
$95
Annual Fee
100,000
Ultimate Rewards points · Welcome Bonus
3X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Chase Ultimate Rewards
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Welcome Offer
100,000
Ultimate Rewards points
Spend $8,000 in the first 3 months
Earn 100,000 bonus points after spending $8,000 in the first 3 months. Transfer to partners like Hyatt or United for $2,050 in travel value — enough for 4-5 hotel nights or 2 round-trip flights to Europe in economy.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 3X | Core | any | $150,000/annual | |
| Shipping | 3X | Core | any | $150,000/annual | |
| Internet Cable Phone | 3X | Core | any | $150,000/annual | |
| Advertising | 3X | Core | any | $150,000/annual | |
| Advertisements | 3X | Core | any | $150,000/annual | |
| Telecom | 3X | Core | any | $150,000/annual | |
| Lyft | 5X | Promo | any | None | |
| All Other | 1X | Base | any | None |
Earn 3 points per dollar on airfare, hotels, car rentals, trains, buses, taxis, cruises, and travel agencies up to $150,000 combined annual spend across all 3X categories.
Spend $20,000 annually on business travel: earn 60,000 points (worth $900-1,200 via transfers)
Earn 3 points per dollar on USPS, FedEx, UPS, and other shipping services. Ideal for e-commerce businesses shipping inventory or products to customers.
Spend $30,000 annually on shipping: earn 90,000 points (worth $1,350-1,800 via transfers)
Earn 3 points per dollar on advertising purchases with social media sites and search engines including Google Ads, Facebook Ads, Instagram, and LinkedIn.
Spend $50,000 annually on digital ads: earn 150,000 points (worth $2,250-3,000 via transfers)
Earn 3 points per dollar on internet, cable TV, and phone service bills. Stack with cell phone protection for additional value.
Spend $3,600 annually on telecom: earn 10,800 points (worth $162-216 via transfers)
Earn 5 points per dollar on qualifying Lyft rides, bike, and scooter rides through September 30, 2027. Includes rideshare and subscription products.
Spend $2,000 annually on Lyft: earn 10,000 points (worth $150-200 via transfers)
Earn 1 point per dollar on purchases outside bonus categories with no caps or restrictions. Points never expire while your account is open.
Spend $50,000 annually on other purchases: earn 50,000 points (worth $750-1,000 via transfers)
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink Lifetime Rule | The new cardmember bonus may not be available to you if you have ever had this card |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.49%–25.49% (Variable) |
| Cash Advance APR | 25.49%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
3X points on $150K in business spend with 14 transfer partners
Earn 3X points on travel, shipping, advertising, and internet/cable/phone on your first $150,000 in combined annual spend. Transfer points 1:1 to 14 airline and hotel partners for 1.5-2+ cents each. Get primary rental car coverage, $1,000 cell phone protection, and complimentary DashPass — all for a $95 annual fee.
$95
Annual Fee
100,000
Ultimate Rewards points · Welcome Bonus
3X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Chase Ultimate Rewards
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Welcome Offer
100,000
Ultimate Rewards points
Spend $8,000 in the first 3 months
Earn 100,000 bonus points after spending $8,000 in the first 3 months. Transfer to partners like Hyatt or United for $2,050 in travel value — enough for 4-5 hotel nights or 2 round-trip flights to Europe in economy.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 3X | Core | any | $150,000/annual | |
| Shipping | 3X | Core | any | $150,000/annual | |
| Internet Cable Phone | 3X | Core | any | $150,000/annual | |
| Advertising | 3X | Core | any | $150,000/annual | |
| Advertisements | 3X | Core | any | $150,000/annual | |
| Telecom | 3X | Core | any | $150,000/annual | |
| Lyft | 5X | Promo | any | None | |
| All Other | 1X | Base | any | None |
Earn 3 points per dollar on airfare, hotels, car rentals, trains, buses, taxis, cruises, and travel agencies up to $150,000 combined annual spend across all 3X categories.
Spend $20,000 annually on business travel: earn 60,000 points (worth $900-1,200 via transfers)
Earn 3 points per dollar on USPS, FedEx, UPS, and other shipping services. Ideal for e-commerce businesses shipping inventory or products to customers.
Spend $30,000 annually on shipping: earn 90,000 points (worth $1,350-1,800 via transfers)
Earn 3 points per dollar on advertising purchases with social media sites and search engines including Google Ads, Facebook Ads, Instagram, and LinkedIn.
Spend $50,000 annually on digital ads: earn 150,000 points (worth $2,250-3,000 via transfers)
Earn 3 points per dollar on internet, cable TV, and phone service bills. Stack with cell phone protection for additional value.
Spend $3,600 annually on telecom: earn 10,800 points (worth $162-216 via transfers)
Earn 5 points per dollar on qualifying Lyft rides, bike, and scooter rides through September 30, 2027. Includes rideshare and subscription products.
Spend $2,000 annually on Lyft: earn 10,000 points (worth $150-200 via transfers)
Earn 1 point per dollar on purchases outside bonus categories with no caps or restrictions. Points never expire while your account is open.
Spend $50,000 annually on other purchases: earn 50,000 points (worth $750-1,000 via transfers)
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink Lifetime Rule | The new cardmember bonus may not be available to you if you have ever had this card |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.49%–25.49% (Variable) |
| Cash Advance APR | 25.49%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
3X points on $150K in business spend with 14 transfer partners
Earn 3X points on travel, shipping, advertising, and internet/cable/phone on your first $150,000 in combined annual spend. Transfer points 1:1 to 14 airline and hotel partners for 1.5-2+ cents each. Get primary rental car coverage, $1,000 cell phone protection, and complimentary DashPass — all for a $95 annual fee.
$95
Annual Fee
100,000
Ultimate Rewards points · Welcome Bonus
3X
Top Rate
Annual Fee
$95
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Chase Ultimate Rewards
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Welcome Offer
100,000
Ultimate Rewards points
Spend $8,000 in the first 3 months
Earn 100,000 bonus points after spending $8,000 in the first 3 months. Transfer to partners like Hyatt or United for $2,050 in travel value — enough for 4-5 hotel nights or 2 round-trip flights to Europe in economy.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 3X | Core | any | $150,000/annual | |
| Shipping | 3X | Core | any | $150,000/annual | |
| Internet Cable Phone | 3X | Core | any | $150,000/annual | |
| Advertising | 3X | Core | any | $150,000/annual | |
| Advertisements | 3X | Core | any | $150,000/annual | |
| Telecom | 3X | Core | any | $150,000/annual | |
| Lyft | 5X | Promo | any | None | |
| All Other | 1X | Base | any | None |
Earn 3 points per dollar on airfare, hotels, car rentals, trains, buses, taxis, cruises, and travel agencies up to $150,000 combined annual spend across all 3X categories.
Spend $20,000 annually on business travel: earn 60,000 points (worth $900-1,200 via transfers)
Earn 3 points per dollar on USPS, FedEx, UPS, and other shipping services. Ideal for e-commerce businesses shipping inventory or products to customers.
Spend $30,000 annually on shipping: earn 90,000 points (worth $1,350-1,800 via transfers)
Earn 3 points per dollar on advertising purchases with social media sites and search engines including Google Ads, Facebook Ads, Instagram, and LinkedIn.
Spend $50,000 annually on digital ads: earn 150,000 points (worth $2,250-3,000 via transfers)
Earn 3 points per dollar on internet, cable TV, and phone service bills. Stack with cell phone protection for additional value.
Spend $3,600 annually on telecom: earn 10,800 points (worth $162-216 via transfers)
Earn 5 points per dollar on qualifying Lyft rides, bike, and scooter rides through September 30, 2027. Includes rideshare and subscription products.
Spend $2,000 annually on Lyft: earn 10,000 points (worth $150-200 via transfers)
Earn 1 point per dollar on purchases outside bonus categories with no caps or restrictions. Points never expire while your account is open.
Spend $50,000 annually on other purchases: earn 50,000 points (worth $750-1,000 via transfers)
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink Lifetime Rule | The new cardmember bonus may not be available to you if you have ever had this card |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.49%–25.49% (Variable) |
| Cash Advance APR | 25.49%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
Total face value: $8
Estimated annual value: $59
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $20/mo Instacart+ | —/Monthly | Delivery | Monthly | |
| 8% Booking.com travel credit | $8/Per stay | Travel | Per stay | |
| DoorDash DashPass | — | Delivery | — |
Combined Protection Value
$69,250
Get up to $1,000 per claim (3 claims/year, $100 deductible) when your phone is damaged or stolen and you pay your wireless bill with this card.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
At $95/year, the Ink Business Preferred earns 3X on $150K in business spending categories and transfers 1:1 to 14 partners. The 100K bonus is worth $2,050 via TPG valuations, plus primary rental car coverage and $1,000 cell phone protection.
The Chase Ink Business Preferred is one of the most valuable cards for small business owners who want maximum points earning and full access to Chase's travel transfer partners.
As long as the welcome offer stays high — currently 90,000 (current special 100,000) points, and sometimes as high as 120,000 — with a modest $95 annual fee, the Ink Business Preferred remains a top-tier business card. The fact that it allows direct point transfers to Chase's airline and hotel partners (unlike the no-annual-fee Ink cards) gives it extra weight for anyone serious about travel rewards.
It's well worth it for the first year, and whether you keep it longer depends on your spending patterns and travel goals.
The Ink Business Preferred card is built for business owners who want to earn big rewards and have the **flexibility to use them for high-value travel**.
- Earn 90,000 (current special 100,000) points after spending $8,000 in the first 3 months
- 3x points on the first $150,000 spent annually in combined purchases on shipping, select advertising, travel, internet, cable, and phone services
- 5x points on Lyft rides
- Full access to Chase transfer partners for airline and hotel redemptions
- Comprehensive travel and purchase protections including trip delay, cell phone protection, and more
With its **combination of a huge sign-up bonus, solid multipliers, and transfer power**, this card is often the centerpiece of a small business Chase setup.
This card may not be the best fit if the $8,000 minimum spend in 3 months is too steep for your current business. Or you prefer a no-annual-fee option.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer
- You can get a "multiplier effect" on your Chase Ultimate Rewards points when you have either of Chase's Sapphire cards by taking advantage of Points Boost
- We view Ultimate Rewards as the points "savings account" to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal
The Ink Business Preferred card plays a unique role within Chase's business lineup:
- It's the **only Ink card that allows direct transfers to Chase travel partners**
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Comprehensive review by Nick Ewen covering earn rates, benefits, and ideal cardholder profiles for the Chase Ink Business Preferred.
NerdWallet's detailed review by Kelsey Sheehy examining business rewards, fee structure, and comparison to competing business cards.
CNN Underscored's analysis of the card's value proposition and how it stacks up against other business credit card options.
One Mile at a Time's in-depth review covering rewards earning, statement credits, transfer partners, and best use cases.
Bankrate's evaluation of card benefits, fees, and suitability for different business types and spending patterns.
Forbes Advisor's review by Becky Pokora analyzing the card's rewards structure and value for business owners.
Upgraded Points' comparison guide highlighting differences between the Preferred and Cash variants to help choose the right card.
Credit Karma's insights on rewards earning, benefits, and how the card fits into a business credit strategy.
Motley Fool's analysis of the card's rewards program, fees, and long-term value for business spending.
Johnny Africa's 2026 review providing current insights on rewards earning, bonus categories, and annual fee justification.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Total face value: $8
Estimated annual value: $59
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $20/mo Instacart+ | —/Monthly | Delivery | Monthly | |
| 8% Booking.com travel credit | $8/Per stay | Travel | Per stay | |
| DoorDash DashPass | — | Delivery | — |
Combined Protection Value
$69,250
Get up to $1,000 per claim (3 claims/year, $100 deductible) when your phone is damaged or stolen and you pay your wireless bill with this card.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
At $95/year, the Ink Business Preferred earns 3X on $150K in business spending categories and transfers 1:1 to 14 partners. The 100K bonus is worth $2,050 via TPG valuations, plus primary rental car coverage and $1,000 cell phone protection.
The Chase Ink Business Preferred is one of the most valuable cards for small business owners who want maximum points earning and full access to Chase's travel transfer partners.
As long as the welcome offer stays high — currently 90,000 (current special 100,000) points, and sometimes as high as 120,000 — with a modest $95 annual fee, the Ink Business Preferred remains a top-tier business card. The fact that it allows direct point transfers to Chase's airline and hotel partners (unlike the no-annual-fee Ink cards) gives it extra weight for anyone serious about travel rewards.
It's well worth it for the first year, and whether you keep it longer depends on your spending patterns and travel goals.
The Ink Business Preferred card is built for business owners who want to earn big rewards and have the **flexibility to use them for high-value travel**.
- Earn 90,000 (current special 100,000) points after spending $8,000 in the first 3 months
- 3x points on the first $150,000 spent annually in combined purchases on shipping, select advertising, travel, internet, cable, and phone services
- 5x points on Lyft rides
- Full access to Chase transfer partners for airline and hotel redemptions
- Comprehensive travel and purchase protections including trip delay, cell phone protection, and more
With its **combination of a huge sign-up bonus, solid multipliers, and transfer power**, this card is often the centerpiece of a small business Chase setup.
This card may not be the best fit if the $8,000 minimum spend in 3 months is too steep for your current business. Or you prefer a no-annual-fee option.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer
- You can get a "multiplier effect" on your Chase Ultimate Rewards points when you have either of Chase's Sapphire cards by taking advantage of Points Boost
- We view Ultimate Rewards as the points "savings account" to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal
The Ink Business Preferred card plays a unique role within Chase's business lineup:
- It's the **only Ink card that allows direct transfers to Chase travel partners**
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Comprehensive review by Nick Ewen covering earn rates, benefits, and ideal cardholder profiles for the Chase Ink Business Preferred.
NerdWallet's detailed review by Kelsey Sheehy examining business rewards, fee structure, and comparison to competing business cards.
CNN Underscored's analysis of the card's value proposition and how it stacks up against other business credit card options.
One Mile at a Time's in-depth review covering rewards earning, statement credits, transfer partners, and best use cases.
Bankrate's evaluation of card benefits, fees, and suitability for different business types and spending patterns.
Forbes Advisor's review by Becky Pokora analyzing the card's rewards structure and value for business owners.
Upgraded Points' comparison guide highlighting differences between the Preferred and Cash variants to help choose the right card.
Credit Karma's insights on rewards earning, benefits, and how the card fits into a business credit strategy.
Motley Fool's analysis of the card's rewards program, fees, and long-term value for business spending.
Johnny Africa's 2026 review providing current insights on rewards earning, bonus categories, and annual fee justification.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Total face value: $8
Estimated annual value: $59
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $20/mo Instacart+ | —/Monthly | Delivery | Monthly | |
| 8% Booking.com travel credit | $8/Per stay | Travel | Per stay | |
| DoorDash DashPass | — | Delivery | — |
Combined Protection Value
$69,250
Get up to $1,000 per claim (3 claims/year, $100 deductible) when your phone is damaged or stolen and you pay your wireless bill with this card.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
At $95/year, the Ink Business Preferred earns 3X on $150K in business spending categories and transfers 1:1 to 14 partners. The 100K bonus is worth $2,050 via TPG valuations, plus primary rental car coverage and $1,000 cell phone protection.
The Chase Ink Business Preferred is one of the most valuable cards for small business owners who want maximum points earning and full access to Chase's travel transfer partners.
As long as the welcome offer stays high — currently 90,000 (current special 100,000) points, and sometimes as high as 120,000 — with a modest $95 annual fee, the Ink Business Preferred remains a top-tier business card. The fact that it allows direct point transfers to Chase's airline and hotel partners (unlike the no-annual-fee Ink cards) gives it extra weight for anyone serious about travel rewards.
It's well worth it for the first year, and whether you keep it longer depends on your spending patterns and travel goals.
The Ink Business Preferred card is built for business owners who want to earn big rewards and have the **flexibility to use them for high-value travel**.
- Earn 90,000 (current special 100,000) points after spending $8,000 in the first 3 months
- 3x points on the first $150,000 spent annually in combined purchases on shipping, select advertising, travel, internet, cable, and phone services
- 5x points on Lyft rides
- Full access to Chase transfer partners for airline and hotel redemptions
- Comprehensive travel and purchase protections including trip delay, cell phone protection, and more
With its **combination of a huge sign-up bonus, solid multipliers, and transfer power**, this card is often the centerpiece of a small business Chase setup.
This card may not be the best fit if the $8,000 minimum spend in 3 months is too steep for your current business. Or you prefer a no-annual-fee option.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer
- You can get a "multiplier effect" on your Chase Ultimate Rewards points when you have either of Chase's Sapphire cards by taking advantage of Points Boost
- We view Ultimate Rewards as the points "savings account" to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal
The Ink Business Preferred card plays a unique role within Chase's business lineup:
- It's the **only Ink card that allows direct transfers to Chase travel partners**
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Cash | entry | $0 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Comprehensive review by Nick Ewen covering earn rates, benefits, and ideal cardholder profiles for the Chase Ink Business Preferred.
NerdWallet's detailed review by Kelsey Sheehy examining business rewards, fee structure, and comparison to competing business cards.
CNN Underscored's analysis of the card's value proposition and how it stacks up against other business credit card options.
One Mile at a Time's in-depth review covering rewards earning, statement credits, transfer partners, and best use cases.
Bankrate's evaluation of card benefits, fees, and suitability for different business types and spending patterns.
Forbes Advisor's review by Becky Pokora analyzing the card's rewards structure and value for business owners.
Upgraded Points' comparison guide highlighting differences between the Preferred and Cash variants to help choose the right card.
Credit Karma's insights on rewards earning, benefits, and how the card fits into a business credit strategy.
Motley Fool's analysis of the card's rewards program, fees, and long-term value for business spending.
Johnny Africa's 2026 review providing current insights on rewards earning, bonus categories, and annual fee justification.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get coverage for damage or theft on eligible purchases made with your card within 120 days of purchase
Skip rental counter insurance with primary coverage for collision damage, theft, and loss-of-use charges on most rental vehicles worldwide.
Provides up to $500,000 in accidental death or dismemberment coverage when you pay for air, bus, train, or cruise travel.
Reimburses up to $5,000 per person for prepaid travel when your trip is cancelled or interrupted due to illness or severe weather.
Reimburses up to $100 per day for 5 days for essential purchases like toiletries and clothing when baggage delayed 6+ hours.
Extends the original U.S. manufacturer's warranty by 1 additional year on warranties of 3 years or less for total 4 years coverage.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
- It earns more bonus points in key business categories than the no-fee Ink Business Cash and Ink Business Unlimited
- While other Ink cards technically earn "cash back," their points can become full Ultimate Rewards when transferred to the Preferred or a Sapphire card
If you already have a Sapphire Reserve or Preferred, you can move points earned from other Ink cards to one of those accounts. But having the Ink Business Preferred gives you flexibility to transfer without needing a personal card.
Like all Chase business cards, it **doesn't count against your 5/24** — making it a perfect way to keep earning big without impacting your personal card strategy. If you run multiple businesses or side hustles, you can apply for more than one Ink card over time. Just space applications out by 3-6 months and maintain some activity on each card.
We started applying for business cards about six months into the hobby. As a two-player household, we each opened the no-annual-fee Ink Business Unlimited and Ink Business Cash before moving on to the Ink Business Preferred. The sign-up bonuses added up fast, and we grew our Chase points stash without hitting our 5/24 limit.
Having the Preferred made our entire system more flexible — we could finally transfer points directly to Chase travel partners without needing a Sapphire card in every wallet. For the right business, it's easily worth the fee.
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get coverage for damage or theft on eligible purchases made with your card within 120 days of purchase
Skip rental counter insurance with primary coverage for collision damage, theft, and loss-of-use charges on most rental vehicles worldwide.
Provides up to $500,000 in accidental death or dismemberment coverage when you pay for air, bus, train, or cruise travel.
Reimburses up to $5,000 per person for prepaid travel when your trip is cancelled or interrupted due to illness or severe weather.
Reimburses up to $100 per day for 5 days for essential purchases like toiletries and clothing when baggage delayed 6+ hours.
Extends the original U.S. manufacturer's warranty by 1 additional year on warranties of 3 years or less for total 4 years coverage.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
- It earns more bonus points in key business categories than the no-fee Ink Business Cash and Ink Business Unlimited
- While other Ink cards technically earn "cash back," their points can become full Ultimate Rewards when transferred to the Preferred or a Sapphire card
If you already have a Sapphire Reserve or Preferred, you can move points earned from other Ink cards to one of those accounts. But having the Ink Business Preferred gives you flexibility to transfer without needing a personal card.
Like all Chase business cards, it **doesn't count against your 5/24** — making it a perfect way to keep earning big without impacting your personal card strategy. If you run multiple businesses or side hustles, you can apply for more than one Ink card over time. Just space applications out by 3-6 months and maintain some activity on each card.
We started applying for business cards about six months into the hobby. As a two-player household, we each opened the no-annual-fee Ink Business Unlimited and Ink Business Cash before moving on to the Ink Business Preferred. The sign-up bonuses added up fast, and we grew our Chase points stash without hitting our 5/24 limit.
Having the Preferred made our entire system more flexible — we could finally transfer points directly to Chase travel partners without needing a Sapphire card in every wallet. For the right business, it's easily worth the fee.
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get coverage for damage or theft on eligible purchases made with your card within 120 days of purchase
Skip rental counter insurance with primary coverage for collision damage, theft, and loss-of-use charges on most rental vehicles worldwide.
Provides up to $500,000 in accidental death or dismemberment coverage when you pay for air, bus, train, or cruise travel.
Reimburses up to $5,000 per person for prepaid travel when your trip is cancelled or interrupted due to illness or severe weather.
Reimburses up to $100 per day for 5 days for essential purchases like toiletries and clothing when baggage delayed 6+ hours.
Extends the original U.S. manufacturer's warranty by 1 additional year on warranties of 3 years or less for total 4 years coverage.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
- It earns more bonus points in key business categories than the no-fee Ink Business Cash and Ink Business Unlimited
- While other Ink cards technically earn "cash back," their points can become full Ultimate Rewards when transferred to the Preferred or a Sapphire card
If you already have a Sapphire Reserve or Preferred, you can move points earned from other Ink cards to one of those accounts. But having the Ink Business Preferred gives you flexibility to transfer without needing a personal card.
Like all Chase business cards, it **doesn't count against your 5/24** — making it a perfect way to keep earning big without impacting your personal card strategy. If you run multiple businesses or side hustles, you can apply for more than one Ink card over time. Just space applications out by 3-6 months and maintain some activity on each card.
We started applying for business cards about six months into the hobby. As a two-player household, we each opened the no-annual-fee Ink Business Unlimited and Ink Business Cash before moving on to the Ink Business Preferred. The sign-up bonuses added up fast, and we grew our Chase points stash without hitting our 5/24 limit.
Having the Preferred made our entire system more flexible — we could finally transfer points directly to Chase travel partners without needing a Sapphire card in every wallet. For the right business, it's easily worth the fee.
