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Ink Business Preferred® Credit Card

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welcome bonus

100K after $8K spend in 3 months

credit brand

Visa®

rewards rate

3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year). 5X Lyft through March 2025

intro apr

N/A

regular apr

21.24%–26.24% variable

foreign transaction fee

credit needed

Good/Excellent

annual fee

$95

rate

4.6

Pros

100,000 bonus points：after you spend $8,000 on purchases in the first 3 months after account opening.

3X points on travel, shipping, internet, cable, phone services.

Earn a total of 5x points on Lyft rides through March 2025 with your Chase Ink Preferred card.

Redeem for flexible and rich rewards: Redeem for cash back, gift cards, travel experiences, and more through Chase Ultimate Rewards your points don't expire as long as your account is open.Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®.

Employee cards at no additional cost.

Points transferable to airline/hotel partners.

Cons

$95 annual fee.

Minimum spend of $8,000 for signup bonus.

Only earns 1X point per dollar on non-bonus spend.

Points less valuable for cash back redemptions.

Why Choose It

With a six-figure signup bonus, solid 3X earn rates in key categories like travel and shipping, plus transferable points, the Ink Preferred offers substantial rewards potential for small business owners. The ability to cover your cell phone and leverage employee user cards streamlines business account management. As long as you can maximize the 3X categories and value flexible points, the Ink Preferred card delivers strong ongoing value per dollar spent.

compare Cards

cover/name/rate

Welcome bonus

Annual fee

rewards rate

intro apr

regular apr

foreign transaction fee

credit needed

credit brand

Ink Business Preferred® Credit Card

4.6

100K after $8K spend in 3 months

$95

3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year). 5X Lyft through March 2025

N/A

21.24%–26.24% variable

Good/Excellent

Visa®

U.S. Bank Visa® Platinum Card

4.7

N/A

0% for the first 18 billing cycles on balance transfers and purchases

19.74% - 29.74% variable

Good/Excellent

Visa®

The Aeroplan® Card

4.2

Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

$95

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

N/A

21.74%–28.74% variable

Good/Excellent

Mastercard®

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