Ink Business Preferred: 3X Points on Business Purchases
The Ink Business Preferred Credit Card allows business owners to earn 3X points on the first $150,000 spent annually on travel, shipping, internet, cable, phone services, and advertising. With 1X points on all other purchases and a 100,000 points sign-up bonus, it’s the perfect card for maximizing rewards on essential business expenses.
By: Zienic
Earn 3X Points on Business Purchases
Earn 3X points on the first $150,000 spent on travel, shipping, internet, cable, phone services, and advertising purchases each year.
1X Points on All Other Purchases
Get 1X points on all other purchases with no cap on earning potential.
100,000 Points Sign-Up Bonus
Earn 100,000 bonus points after spending $15,000 on purchases in the first 3 months, equal to $1,250 in travel rewards when redeemed through Chase Ultimate Rewards.
Flexible Redemption Options
Redeem points for travel, cash back, gift cards, or transfer them to Chase’s travel partners.
Ink Business Preferred: Maximize Rewards for Your Business
The Ink Business Preferred Credit Card was meticulously designed by Chase to be an essential financial tool, transforming necessary operational expenses into fuel for your business growth. The core strength of this card lies in its generous rewards structure, which aligns directly with the most common expenditures faced by small and mid-sized enterprises. The 3X points earning rate is applied across a robust set of categories that include business travel, shipping and mailing costs (both domestic and international), essential internet, cable, and phone services, in addition to all paid advertising costs on social media sites and search engines (Google Ads, Facebook Ads, etc.). It is crucial to note that this 3X multiplier is applicable up to a combined spending limit of $150,000 per account anniversary year. All other spending that exceeds this limit or does not fall into the bonus categories still earns a solid rate of 1X point per dollar spent. This earning potential is complemented by one of the most valuable sign-up bonuses on the market: 100,000 points after meeting the initial spending requirement. Within the Chase Ultimate Rewards ecosystem, 100,000 points are not just a number; they represent substantial value, especially when redeemed through transfer partners, offering business owners a significant head start on high-value travel or investment in working capital. This combination of an aggressive bonus and strong daily earnings makes the Ink Business Preferred an ideal choice for small business owners focused on maximizing the return on every dollar invested.
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How do I earn the 100,000 points bonus?
You can earn 100,000 points after spending $15,000 on purchases in the first 3 months, equal to $1,250 in travel rewards through Chase Ultimate Rewards.
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What purchases qualify for 3X points?
You earn 3X points on the first $150,000 spent in combined purchases on travel, shipping, internet, cable, phone services, and advertising each year.
Earn Big on Business Purchases
Beyond the impressive collection speed, the Ink Business Preferred Credit Card ensures that the points you earn maintain exceptional value through the flexible redemption options of the Chase Ultimate Rewards program. While cash back is always an option, the true maximization of your rewards comes when you redeem points for travel through the Chase Travel℠ portal. When booking flights, hotels, or rental cars directly through this platform, your points are instantly valued at 1.25 cents per point, providing a 25% boost compared to standard cash back. This means the 100,000-point sign-up bonus is immediately worth $1,250 towards travel. For the savvy traveler, the greatest value often lies in the option to transfer points on a 1:1 basis to Chase’s premier lineup of airline and hotel partners, which includes major loyalty programs like United MileagePlus, Southwest Rapid Rewards, and Marriott Bonvoy. By leveraging these transfer partners, business owners can unlock premium travel experiences—such as business class flights or luxury hotel stays—that offer a much higher redemption value, often reaching 2 cents per point or more. This flexibility solidifies the Ink Business Preferred as not just a rewards card, but a strategic financial instrument for converting operational expenses into significant travel savings and business perks.