Chase · Visa
Ink Business Preferred
Business Travel & Ads
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
$95 annual fee up to $120/yr in credits if you use them
Why people consider it
- 3x on Travel.
- 3x on Shipping.
- Points transfer to 9 airline and hotel partners.
Current welcome offer
Welcome offer: 100,000 points≈ $1,500 at our typical valuation
Requirement: Spend $8,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Calculate my rewards → Enter your monthly spending and see exactly how much this card would earn you compared to every other card we track. Already carry it? Add it to My Cards →
Is this card worth it?
Ongoing value
$877/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,377 first year
Includes: +$1,500 welcome offer (100,000 points at our typical value)
$1,500 is one-time. $877/year is ongoing.
To earn the bonus: spend $8,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- Requires business (can be sole prop) 8k spend requirement is high
Detailed research
Full reward table and category caps
Travel (combined $150k/yr cap, then 1x)
Cap: $150,000/yr
Shipping (combined $150k/yr cap, then 1x)
Cap: $150,000/yr
Internet, cable, phone (combined $150k/yr cap, then 1x)
Cap: $150,000/yr
Social media & search ads (combined $150k/yr cap, then 1x)
Cap: $150,000/yr
Point value: ~1.5¢ each
Optional benefits and credits
Credits — if you use them
Up to $10 off one qualifying non-restaurant DoorDash order each month with DashPass activated by 2027-12-31 (at least 12 months complimentary) — enrollment required
Perks (not counted in our math)
Pay phone bill with card
Redemption and transfer information
Points transfer to 9 airline and hotel partners — often where the highest redemption values live. Hyatt transfers at 4:3 on this card (3 Hyatt points per 4 Chase points) — about 1.28¢ per Chase point at our Hyatt value, against 1.7¢ at 1:1.
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN).
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Large welcome bonus
- + 3x on ads and shipping
- + Points transfer to Sapphire
- + Cell phone protection
Cons
- - Requires business (can be sole prop)
- - 8k spend requirement is high
- - Only 1x on most purchases
- - Hyatt transfers at 4:3 since Oct 1, 2026 (4 points → 3)
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.