{"id":9189,"date":"2026-08-10T18:08:58","date_gmt":"2026-08-10T18:08:58","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=9189"},"modified":"2026-08-10T18:08:58","modified_gmt":"2026-08-10T18:08:58","slug":"ink-business-preferred","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/","title":{"rendered":"Chase Ink Business Preferred\u00ae Credit Card Review: A Small Business Points-Earning Powerhouse"},"content":{"rendered":"<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e6dc1767ef5b2d00405d54b6283151e3&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is one of the best small-business cards on the market, thanks to its 3X earning on select business categories and access to Chase's <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Ultimate Rewards<\/a> program. If travel is your goal, the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> can help you turn your business spending into huge savings on your next trip.<\/p>\n<p>Moreover, the card offers several benefits for a modest $95 annual fee and delivers new cardholders <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-preferred-offer\/\" rel=\"noopener\">a valuable welcome bonus<\/a> worth around $2,000!<\/p>\n<p>Let's take a look at everything this card has to offer to see if it's a good fit for your small business.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e6dc1767ef5b2d00405d54b6283151e3&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-127301ce5d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Ink_PreferredPros\">Ink Preferred\u00a0Pros<\/a><\/li><li><a href=\"#Ink_Preferred_Cons\">Ink Preferred Cons<\/a><\/li><li><a href=\"#Ink_Business_Preferred_Credit_Card_Welcome_Offer\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card Welcome Offer<\/a><ul><li><a href=\"#What_is_the_100000-point_offer_worth\">What is the 100,000-point offer worth?<\/a><\/li><\/ul><\/li><li><a href=\"#Chase_Ink_Preferred_Benefits\">Chase Ink Preferred Benefits<\/a><ul><li><a href=\"#Auto_rental_collision_damage_waiver_CDW\">Auto rental collision damage waiver (CDW)<\/a><\/li><li><a href=\"#Trip_interruptioncancellation_insurance\">Trip interruption\/cancellation insurance<\/a><\/li><li><a href=\"#Cell_phone_protection\">Cell phone protection<\/a><\/li><li><a href=\"#Purchase_protection\">Purchase protection<\/a><\/li><li><a href=\"#Extended_warranty\">Extended warranty<\/a><\/li><li><a href=\"#Visa_SavingsEdge\">Visa SavingsEdge<\/a><\/li><li><a href=\"#No_foreign_transaction_fees\">No foreign transaction fees<\/a><\/li><\/ul><\/li><li><a href=\"#Ink_Preferred_Earning_Rates\">Ink Preferred Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Ink_Preferred\">Redeeming Points With the Ink Preferred<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Ink_Preferred\">Cards That Compete With the Ink Preferred<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Ink_PreferredPros\">Ink Preferred\u00a0Pros<\/span><\/h2>\n<ul>\n<li>Excellent sign-up bonus with a reasonable spending requirement.<\/li>\n<li>Access to Chase's 14 transfer partners without needing to pair with another card.<\/li>\n<li>Many travel and shopping protections for a modest annual fee.<\/li>\n<li>Can combine points from many other cards earning Ultimate Rewards.<\/li>\n<\/ul>\n<h2><span id=\"Ink_Preferred_Cons\">Ink Preferred Cons<\/span><\/h2>\n<ul>\n<li>Charges a modest annual fee.<\/li>\n<li>Caps on bonus earnings.<\/li>\n<li>Reduced transfer ratio to Hyatt beginning October 1, 2026.<\/li>\n<li>1X points per dollar on non-bonus spending.<\/li>\n<\/ul>\n<h2><span id=\"Ink_Business_Preferred_Credit_Card_Welcome_Offer\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card Welcome Offer<\/span><\/h2>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> offers an impressive 100,000-point signup bonus after you spend $8,000 on purchases in the first 3 months from account opening.<\/p>\n<h3><span id=\"What_is_the_100000-point_offer_worth\">What is the 100,000-point offer worth?<\/span><\/h3>\n<p>After meeting the minimum spending requirements to earn the sign-up bonus on the Ink Preferred, you'll have, at a minimum, 108,000 Ultimate Rewards points in your account. You'll have even more if you spend within the card's bonus categories. But what is the 100,000-point offer worth? Here are three primary ways you can redeem its potential value:<\/p>\n<ul>\n<li><strong>Pay with points through Chase Travel\u2120.<\/strong> Through the <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/points-boost\/\">Chase Points Boost<\/a> feature, your Ultimate Rewards points can be redeemed for paid travel at up to 1.75 cents each &#8212; depending on the specific redemption<\/li>\n<li><strong>Get cash back.<\/strong> If you elect to cash out, your points are worth 1 cent apiece, making 100,000 worth $1,000 in cash back.<\/li>\n<li><strong>Transfer points to 14 airline and hotel transfer partners.<\/strong> When maximized through <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase's 14 airline and hotel transfer partners<\/a>, Chase points are worth an average of 2.03\u00a2 apiece. That makes 100,000 points worth around $2,000 toward award travel.<\/li>\n<\/ul>\n<p>Simply put, these points are worth a lot!<\/p>\n<h2><span id=\"Chase_Ink_Preferred_Benefits\">Chase Ink Preferred Benefits<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\" rel=\"noopener\"><\/a>The benefits received for the $95 annual fee on the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> are comprehensive, protecting both your travels and everyday purchases.<\/p>\n<h3><span id=\"Auto_rental_collision_damage_waiver_CDW\">Auto rental collision damage waiver (CDW)<\/span><\/h3>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/collision-damage-waiver-proof\/\" rel=\"noopener\">auto rental CDW<\/a> covers up to the cash value of most rental vehicles for damage caused by a collision or theft. This coverage\u00a0is <em>primary coverage when renting for business purposes<\/em>, meaning you do not need to file a claim with any other insurer before claiming under the card benefit. The coverage is secondary for personal rentals, which is a very important distinction to make about this card's benefit.<\/p>\n<p>Keep in mind that you must decline the rental company\u2019s insurance and pay for the full cost of the rental on your <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> for coverage to be in effect.<\/p>\n<figure id=\"attachment_131606\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"599\/479\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-131606  lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured.png\" alt=\"a couple drives a car with the roof open on a country highway\" width=\"599\" height=\"479\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Alex-Jumper-Unsplash-couple-driving-rental-car-featured-325x260.png 325w\" sizes=\"(max-width: 599px) 100vw, 599px\" \/><center><em>Credit: Alex Jumper\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Trip_interruptioncancellation_insurance\">Trip interruption\/cancellation insurance<\/span><\/h3>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> covers up to $5,000 in pre-paid or non-refundable travel expenses if a trip is canceled or cut short for a covered reason. The policy covers the cardholder, immediate family members, and also persons employed by the company for which the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> account is issued. This means you can even claim this benefit when employee trips go south.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-benefits\/\" rel=\"noopener\">22 Credit Card Benefits Every Traveler Should Know About<\/a><\/strong><\/p>\n<h3><span id=\"Cell_phone_protection\">Cell phone protection<\/span><\/h3>\n<p>One of the standalone benefits of the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>, which is rare on small business credit cards, is <a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">cell phone protection<\/a>. Pay the full cell phone bill each month with your Ink Preferred, and the phone is covered for theft, damage, and loss up to $1,000 per claim and up to three claims in a 12-month period. Employee phones purchased with this card are also included in the coverage, but there's a deductible of $100 per claim.<\/p>\n<figure id=\"attachment_110143\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"598\/478\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-110143 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776-300x240.jpeg\" alt=\"a person looks at their smart phone\" width=\"598\" height=\"478\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776-1024x818.jpeg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776-768x613.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776-1536x1226.jpeg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776-325x260.jpeg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/cell-phone-e1685831982776.jpeg 1598w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><center><em>Credit: John Tuesday\/ Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Purchase_protection\">Purchase protection<\/span><\/h3>\n<p>This benefit covers new items against fire and theft, up to $10,000 per claim and up to $50,000 per account. <a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a> applies to purchases made within the past 120 days.<\/p>\n<h3><span id=\"Extended_warranty\">Extended warranty<\/span><\/h3>\n<p>Purchase an item with your <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> and get an extra year on U.S. manufacturers' warranties of three years or less.<\/p>\n<h3><span id=\"Visa_SavingsEdge\">Visa SavingsEdge<\/span><\/h3>\n<p>By carrying this Visa business card, you have access to a built-in savings tool that\u2019s easy to overlook: <a href=\"\/credit-cards\/visa-savingsedge\/\" data-start=\"260\" data-end=\"326\">Visa SavingsEdge<\/a>. Once enrolled, you can earn automatic statement credits when you shop with participating merchants, including popular business vendors and service providers. Some offers require activation while others apply automatically when you use your card.<\/p>\n<h3><span id=\"No_foreign_transaction_fees\">No foreign transaction fees<\/span><\/h3>\n<p>You won't pay foreign transaction fees when you swipe the Ink Preferred abroad. That's part of what makes it a <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-preferred-benefits\/\" rel=\"noopener\">favorite travel credit card<\/a>.<\/p>\n<h2><span id=\"Ink_Preferred_Earning_Rates\">Ink Preferred Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> provides strong earnings for small businesses that spend in the bonus categories on the card, though it's worth noting that there are limits to these earnings. You'll earn as follows:<\/p>\n<ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul>\n<p>Earning 3x on up to $150k of spending will appeal to most businesses.\u00a0Plus, the bonus points for online advertising, shipping, and internet\/phone services make the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> perfect for any business operating online, Amazon\/eBay store owners, and any business that utilizes online advertising. However, businesses that spend more than $150k annually in these bonus categories may be disappointed to learn that they'll earn just a single point per $1 spent after passing the $150k threshold.<\/p>\n<h2><span id=\"Redeeming_Points_With_the_Ink_Preferred\">Redeeming Points With the Ink Preferred<\/span><\/h2>\n<p>You can redeem points from your <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> card for up to 1.75\u00a2 each when booking travel through the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel\u2120 portal<\/a>. Additionally, you can redeem them at 1\u00a2 apiece for gift cards or cash back via a statement credit (but please don't do this unless you're in a cash crunch).<\/p>\n<p>Alternatively, you can spend your Ultimate Rewards points directly on Amazon for gifts, essentials, or luxury items delivered straight to your door. This typically isn't the best value for your points, unless you get a targeted offer to <a target=\"_blank\" href=\"\/news\/credit-cards\/amazon-offer-credit-card-points\/\" rel=\"noopener\">save up to 50% off Amazon by using just a few points<\/a>.<\/p>\n<p>The best way to maximize the value of Ultimate Rewards earned with your <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> card is by transferring points to Chase\u2019s Ultimate Rewards travel partners. This includes four hotel and 10 airline partners.<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aer Lingus (AerClub)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Air Canada (Aeroplan)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,200<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/aeroplan-transfer-bonus\/\">20% transfer bonus through September 30, 2026<\/a> (up to 30% for Aeroplan cardholders).<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">47 minutes<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hyatt (World of Hyatt)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<div class=\"tt-bonus\"><a href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/hyatt-transfer-rate-devaluation\/\">1:1 transfer rate only for Sapphire Reserve-branded cardholders<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Iberia Plus<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>IHG Hotels & Resorts (One Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,700<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/ihg-transfer-bonus\/\">70% transfer bonus through August 31, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">5 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>JetBlue Airways (TrueBlue)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">KLM (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">2 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Southwest Airlines (Rapid Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>United Airlines (Mileage Plus)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Virgin Atlantic (Flying Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Wyndham Rewards<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><\/div>\n<p>It is worth noting that all cardmembers &#8212; new or existing &#8212; will receive a <a href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/hyatt-transfer-rate-devaluation\/\">new 4:3 transfer ratio to World of Hyatt starting October 1, 2026<\/a>. This is a huge deal, as transferring Ultimate Rewards to Hyatt at 1:1 is arguably the best use of Chase points. The reduction in this ratio starting October 1 will definitely reduce the value of Ultimate Rewards to some users.<\/p>\n<p>Having said that, data points from AwardWallet users show they tend to redeem Chase points at 2.03\u00a2 each when utilizing Chase's transfer partners. Check out our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">comprehensive breakdown of transfer partners<\/a>, plus <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/best-way-to-use-chase-points\/\" rel=\"noopener\">22 ways to redeem Ultimate Rewards points for maximum value<\/a>.<\/p>\n<figure id=\"attachment_111313\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-111313 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/KLM-Boeing-787-10-business-class-seat-featured.png\" alt=\"KLM business class inside Boeing 787-10 Dreamliner\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/KLM-Boeing-787-10-business-class-seat-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/KLM-Boeing-787-10-business-class-seat-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/KLM-Boeing-787-10-business-class-seat-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/KLM-Boeing-787-10-business-class-seat-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>KLM business class. Screenshot of KLM<\/em><\/enter><\/figure>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>You need a business to open a business card. Luckily, qualifications are lower than you might think. You may be surprised by <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">how easy it can be to get a business card<\/a> &#8212; whether you run an Etsy store, resell on eBay, or just have a side hustle with freelance work. Even sole proprietorships without an EIN can qualify for this card.<\/p>\n<p>Applicants with good to excellent credit stand a good chance of approval for this card. Further, you can open this card and receive the sign-up bonus while also being a cardholder for <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-business-card\/\" rel=\"noopener\">other Ink Business cards<\/a>. However, if you have ever had the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> in the past, you will likely not be eligible to earn the welcome offer again.<\/p>\n<p>As with all Chase cards, you will not be approved if you've opened five or more personal cards <em>from any bank<\/em> in the last 24 months. Business cards do not count against this number; however, you must be under 5\/24 to get approved for a business card. Learn more about <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase's unwritten 5\/24 rule<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Ink_Preferred\">Cards That Compete With the Ink Preferred<\/span><\/h2>\n<ul>\n<li><strong>If you want a lower minimum spending requirement on a Chase card<\/strong>, the <a data-ccid=\"4048113\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a><strong>\u00a0<\/strong>is a great option. It has a solid sign-up bonus of $1,000 after you spend $8,000 on purchases in the first 4 months from account opening. You'll also earn unlimited 1.5% cash back on all purchases, and you can combine this with rewards from other Chase Ultimate Rewards cards to turn your earnings into transferable points, assuming you have eligible cards. For more details, check out our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\" rel=\"noopener\">full review of the Ink Unlimited card<\/a>.<\/li>\n<li><strong>If you want a no-annual-fee card<\/strong>, <a data-ccid=\"4028098\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a> is a simple, straightforward card without an annual fee  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) or bonus categories to track. You'll earn 2x points on the first $50,000 of purchases each year, then 1x. You can find more details in our <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">full review of the Blue Business Plus card<\/a>.<\/li>\n<li><strong>If you want higher earning power<\/strong>, the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a><strong>\u00a0<\/strong>offers 4x points earned on your top two spending categories from a preset list, up to $150,000 per year (then 1x), plus 3x on prepaid airfare and hotels at AmexTravel.com or the Amex Travel App\u2122, and 1x on other eligible purchases. Learn more <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\" rel=\"noopener\">in our full review of the Amex Business Gold card<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn <s>$750<\/s> $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" data-exit=\"ccw\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=bf214a78ddc04bebf5045938a223c60f&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$375<span class=\"compare-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">Top Small Business Card Offers<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> remains one of the easiest business cards to recommend to travelers who can take advantage of its bonus categories. For a $95 annual fee, you get the ability to earn 3X points on up to $150,000 in combined purchases in eligible categories each year, access to Chase's airline and hotel transfer partners, and a surprisingly robust collection of travel and purchase protections.<\/p>\n<p>The upcoming reduction in the World of Hyatt transfer ratio certainly takes away some of the card's shine. But Hyatt is only one way to use Ultimate Rewards points. Cardholders can still transfer points 1:1 to several other valuable airline and hotel programs or use Points Boost to get increased value on eligible travel through Chase Travel.<\/p>\n<p>Ultimately, the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> makes the most sense for business owners who spend heavily on travel, shipping, advertising, or internet, cable, and phone services \u2014 and who want to turn that spending into travel rewards. If your expenses line up with those categories, there's a lot of value packed into a card with a relatively modest annual fee.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e6dc1767ef5b2d00405d54b6283151e3&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-8-127301ce5d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ink Business Preferred\u00ae Credit Card features powerful 3X earning categories, a modest annual fee, and a valuable welcome bonus. But what benefits does it offer, and is it the right card for your small business long term? Here&#8217;s what you need to know.<\/p>\n","protected":false},"author":70,"featured_media":115640,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12657,12620,12786,12709],"coauthors":[36392,36469],"class_list":["post-9189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-business","tag-card-reviews","tag-chase","tag-chase-ultimate-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/9189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=9189"}],"version-history":[{"count":100,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/9189\/revisions"}],"predecessor-version":[{"id":270941,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/9189\/revisions\/270941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/115640"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=9189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=9189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=9189"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=9189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}