Chase Ink Business Preferred

The Chase Ink Business Preferred is a small-business rewards card built around one clear idea: earn a large points bonus and multiply rewards on the operating costs an online business already carries. It is issued by Chase on the Visa network and aimed at business owners with good to excellent credit, roughly 690 or higher. For anyone running paid acquisition through Meta or Google, it is the reference points card, because the 3x earn on search and social advertising is not matched by other general business cards. The concrete terms are simple to state. The annual fee is $95, with no offsetting travel credits, so the fee is a flat cost you carry every year. The regular purchase APR runs from 17.74% to 29.99% variable, a wide range set at application, which means carrying a balance can erase rewards quickly; this card rewards paying in full. The welcome bonus is 100,000 points after $8,000 in purchases within the first 3 months. On earning, the card pays 3 points per dollar on travel, shipping, internet, cable and phone, and search and social advertising, on a combined $150,000 per anniversary year, then 1 point per dollar after that cap and on everything else. Points transfer 1:1 to Chase's airline and hotel partners, which is where their value is highest. The card also includes cell phone protection and primary rental CDW on business rentals, two protections that add value without a separate fee. The honest flags matter as much as the perks. The $8,000 spend in 3 months is a genuine barrier for small operators; if you cannot reach it organically, chasing the bonus with unneeded spend defeats the point. The 3x rate caps at $150,000 per anniversary year, so very heavy advertisers stop earning the premium rate partway through the year and drop to 1x. And because there are no travel credits, the $95 fee is not softened by recurring perks the way some cards offset their cost, so the card only pays for itself if you actually redeem points at good transfer value. The 29.99% variable APR ceiling is a reminder that this is a spend-and-pay card, not a financing tool. Net: for an online business with steady ad and shipping spend that pays in full and can clear the $8,000 hurdle, the math is strong. For a lighter spender who carries a balance or will not use transfer partners, the $95 fee and the hurdle are harder to justify.