3X points on travel, shipping, telecom, and online advertising.
Find your card type — 60-second quiz →
Good–Excellent credit — 680+ FICO typical; hard pull + personal guarantee
ClearValue Rating: 4.4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
E-commerce + ad-heavy SMBs with $50K+ combined spend across those four categories.
| Year 1 value | Ongoing value |
|---|---|
| 100K-point welcome bonus (~$1,000 in cash or ~$1,250 in Chase Travel) | 3X points on travel, shipping, telecom + online ads (up to $150K/yr); $95 annual fee; no FX fees |
| Welcome spend: $8K in first 3 months | |
Chase Ink Business Preferred — 3X points on travel, shipping, telecom, and online advertising. Best for: E-commerce + ad-heavy SMBs with $50K+ combined spend across those four categories.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
For e-commerce and ad-heavy businesses, yes. The card earns 3X points on online advertising, shipping, travel, and telecom up to a combined $150K per year. At meaningful spend in those categories, the rewards value typically exceeds the $95 fee. Businesses with thin spend in those categories should compare to the no-fee Ink Unlimited or Ink Cash first.
Points transfer 1:1 to 14+ airline and hotel partners including United, Southwest, Hyatt, and others. You can also redeem through the Chase Travel portal at a 25% bonus — meaning 100,000 points is worth $1,250 in Chase Travel redemptions rather than $1,000 in cash back. Verify current transfer partners at the Chase issuer page.
No — there are no foreign transaction fees, making it suitable for international business travel and purchases from foreign merchants. Trip cancellation and interruption insurance are also included.
A 680+ personal FICO is a typical floor. Chase also applies the 5/24 rule — if you've opened 5 or more personal card accounts across any issuer in the past 24 months, approval is unlikely. A hard pull and personal guarantee are required.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.