Ink Business Preferred
Chase · Business card · Checked against Chase's terms Oct 26, 2026
The Ink Business Preferred earns 3x Chase Ultimate Rewards on shipping and couriers, on social media and search advertising, on TV and internet service and cell phone service and on travel; and 1x Chase Ultimate Rewards on everything else. $95 a year. earnrate counts Chase Ultimate Rewards at 1¢ each; transferring to airlines or hotels can be worth up to about 2.05¢.
Where it's the best business card
Uber (3%) · UPS (3%) · FedEx (3%) · USPS (3%) · Google Ads (3%) · Meta ads (3%) · transit (3%) · rideshare and taxis (3%) · shipping and couriers (3%) · social media and search advertising (3%)
Where it's in the top 3
Lyft (5%) · Spectrum (3%) · Verizon (3%) · T-Mobile (3%) · Delta Air Lines (3%) · United Airlines (3%) · American Airlines (3%) · Air Canada (3%) · Marriott (3%) · Hilton (3%) · Hertz (3%) · Enterprise Rent-A-Car (3%)
Earning rates
- 5Lyft 5x Chase Ultimate Rewards
Limited-time offer, for Lyft products bought in the Lyft app. Chase describes it as 2 extra points on top of the 3x travel rate, so Lyft spend likely counts toward the $150,000 cap.- Through Sep 30, 2027
“Earn a total of 5x points on Lyft rides through September 30, 2027” creditcards.chase.com
- 3Shipping and couriers 3x Chase Ultimate Rewards
Couriers, postal and freight shipping, mailbox stores. Not shipping charges on something you buy, or office supply stores that also mail packages.- Up to $150,000 of spending a card year (shared with its other bonus categories on this cap), then 1x Chase Ultimate Rewards
“Earn 3 points per $1 on the first $150,000 spent in combined purchases” creditcards.chase.com
- 3Social media and search advertising 3x Chase Ultimate Rewards
Bought directly from a social media site or search engine, not through an ad agency. Non-ad purchases from those sites don't count.- Up to $150,000 of spending a card year (shared with its other bonus categories on this cap), then 1x Chase Ultimate Rewards
“Advertising purchases made with social media sites and search engines” creditcards.chase.com
- 3TV and internet service and cell phone service 3x Chase Ultimate Rewards
Internet, cable, satellite TV and radio, cellular, wireless data and landline service. Not equipment.- Up to $150,000 of spending a card year (shared with its other bonus categories on this cap), then 1x Chase Ultimate Rewards
“Internet, cable and phone services” creditcards.chase.com
- 3Travel 3x Chase Ultimate Rewards
- Up to $150,000 of spending a card year (shared with its other bonus categories on this cap), then 1x Chase Ultimate Rewards
“social media and search engine advertising; travel; internet, cable, and phone services” creditcards.chase.com
- 3Transit 3x Chase Ultimate Rewards
Chase's travel category includes passenger trains, buses, taxis, ferries, tolls and parking. Rideshare codes as a taxi.- Up to $150,000 of spending a card year (shared with its other bonus categories on this cap), then 1x Chase Ultimate Rewards
“campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways” chase.com
- 1Everything else 1x Chase Ultimate Rewards
“Earn 1 point per $1 on all other purchases” creditcards.chase.com
Public welcome offer
100,000 Chase Ultimate Rewards after $8,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Chase: "The new cardmember bonus may not be available to you if you have ever had this card." Chase may also consider factors about your business.
Sources
- creditcards.chase.com/business-credit-cards/ink/business-preferred
- chase.com/personal/credit-cards/rewards-category-faq
Rankings compare business cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.