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Credit Card Review💼 Best Business Travel Rewards

Ink Business Preferred® Credit Card

Issued by Chase

3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else — plus 100,000 points after $8,000 spend in first 3 months (~$1,250 in travel via Chase Travel).

At a Glance

Annual Fee

$95

Purchase APR

17.74%–29.99%

Rewards Rate

3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else

Min. Credit Score

700+ (est.)

Sign-Up Bonus

100,000 points after $8,000 spend in first 3 months (~$1,250 in travel via Chase Travel)

Rates & Fees

Annual Fee

$95

Purchase APR

17.74%–29.99% variable

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount transferred, $5 minimum

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Ink Business Preferred® Credit Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: Also earns 3x on shipping, internet/cable/phone, and advertising purchases, up to $150,000/year combined with travel — those business categories aren't modeled here.

Est. Annual Rewards

$405/yr

After $95 Annual Fee

$310/yr

Based On

$1,950/mo

Key Features

Large 3x categories cover most common small business spend

Cell phone protection up to $1,000 per claim ($100 deductible)

Points transfer to the same 14 airline/hotel partners as Chase Sapphire Reserve

Pros & Cons

Pros

  • One of the largest sign-up bonuses on a business card
  • Broad 3x categories are easy to hit for most businesses
  • Points are fully transferable to travel partners, unlike cash-back Ink cards

Tradeoffs

  • $95 annual fee vs. $0 on Ink Business Cash
  • $150,000 annual combined cap on 3x categories
  • Requires very good to excellent personal credit to qualify

How to Apply

Check whether your credit profile is a reasonable fit — Chase generally looks for applicants around 700+ FICO for the Ink Business Preferred® Credit Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Ink Business Preferred® Credit Card$9517.74%–29.99%3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else
Ink Business Cash® Credit Card$016.74%–29.99%5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else
American Express® Business Gold Card$37517.74%–28.49%4x on the 2 categories where your business spent the most each billing cycle (up to $150K/yr combined), 1x elsewhere
Ink Business Unlimited® Credit Card$016.74%–24.74%Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027

Frequently Asked Questions

What credit score do I need for the Ink Business Preferred® Credit Card?

Chase generally looks for applicants with a credit score around 700+ for the Ink Business Preferred® Credit Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Ink Business Preferred® Credit Card?

The Ink Business Preferred® Credit Card carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Ink Business Preferred® Credit Card have a sign-up bonus?

Yes — new cardholders can currently earn 100,000 points after $8,000 spend in first 3 months (~$1,250 in travel via Chase Travel). Bonus terms and required spend change over time, so confirm the current offer on Chase's site before applying.

What fees should I watch for on the Ink Business Preferred® Credit Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (5% of the amount transferred, $5 minimum), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Ink Business Preferred® Credit Card compare to similar cards?

The Ink Business Preferred® Credit Card is one of several business cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of business cards for more options.

Other Credit Cards

Ink Business Cash® Credit Card

5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else

American Express® Business Gold Card

4x on the 2 categories where your business spent the most each billing cycle (up to $150K/yr combined), 1x elsewhere

Ink Business Unlimited® Credit Card

Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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