What are the 3x bonus categories on Chase Ink Business Preferred?

Ink Business Preferred earns 3x on travel, shipping purchases, internet, cable, and phone services, and social media site advertising and search engine advertising. These categories are combined in a single annual cap of $150,000. After $150,000, all earn 1x. The 3x on advertising is particularly valuable for digital businesses and agencies spending on Google Ads, Meta Ads, and similar platforms.

What is the $150,000 annual spending cap on Ink Business Preferred 3x categories?

The 3x rate applies to up to $150,000 in combined purchases per anniversary year across all 3x categories — travel, shipping, internet/cable/phone, and advertising combined. After $150,000, those purchases earn 1x. For most small businesses, $150,000 is a very high threshold; high-spend digital agencies running significant Google or Meta ad budgets are most likely to approach it.

Chase Ink Business Preferred Benefits and Rewards Guide

Q: Does Chase Ink Business Preferred earn transferable Ultimate Rewards points?

Yes. Unlike the Ink Cash and Ink Unlimited which earn cash back, Ink Business Preferred earns points that are directly transferable to the same 14 airline and hotel partners available on the Sapphire cards — including United MileagePlus, World of Hyatt, Air Canada Aeroplan, Flying Blue, and others. It also serves as the anchor card that enables Ink Cash and Ink Unlimited to convert their earnings to transferable UR points.

Q: Can I transfer Ink Cash and Ink Unlimited earnings through Ink Business Preferred?

Yes. If you hold Ink Business Preferred (or a Sapphire card) in the same Chase login as your Ink Cash and Ink Unlimited, you can combine all three cards' rewards into the Ink Preferred account, where they become fully transferable Ultimate Rewards points. This is the primary reason businesses pair all three Ink cards together.

Q: Does Ink Business Preferred have cell phone protection?

Yes. When you pay your monthly business cell phone bill with the Ink Business Preferred, eligible phones on that bill are covered for damage or theft. Coverage is up to $1,000 per claim (up to $100 deductible), with a maximum of 3 claims per 12-month period. This is particularly valuable for businesses covering multiple employee phones on one plan.

Chase Business · Annual fee $95

Chase Ink Business Preferred

Last updated: June 19, 2026. Verify current terms, earning rates, protections, and transfer partner list with Chase before applying.

Core earning rates

3xTravel (flights, hotels, rental cars, trains, cruises, and more).
3xShipping purchases.
3xInternet, cable, and phone services.
3xSocial media site advertising and search engine advertising (e.g., Google Ads, Meta Ads, LinkedIn Ads).
1xAll other purchases, and all 3x category purchases above the $150,000 combined annual cap.

Card snapshot

Rewards currencyUltimate Rewards points (directly transferable to airline and hotel partners)

Primary categories3x travel, shipping, internet/phone, social media/search ads (up to $150k/year combined)

Credit structureNo statement credits; $95 annual fee

Travel profilePrimary auto rental; trip cancellation $10k/traveler; cell phone protection

What this card is built around

The Chase Ink Business Preferred is the only Ink card that earns points directly transferable to airline and hotel partners — the same 14 partners available on the consumer Sapphire cards. This makes it the essential anchor card for businesses building a multi-card Ink stack: without it (or a Sapphire card), Ink Cash and Ink Unlimited rewards are limited to cash back at 1 cent per point.

At $95 per year, the Preferred earns 3x on four high-value business categories — travel, shipping, internet/cable/phone services, and digital advertising on social media and search engines — combined up to $150,000 per year. For businesses running significant ad spend on Google or Meta, the 3x on advertising alone can generate enormous UR balances. The cell phone protection benefit is also notably strong: covering business phones with up to $1,000 per claim when the bill is paid through the card.

The 3x rate applies to up to $150,000 in combined purchases per anniversary year across all four 3x categories. After $150,000, all purchases earn 1x.

Transfer partners

Ink Business Preferred earns directly transferable Ultimate Rewards points to the same 14 partners available on the Sapphire cards. Note that World of Hyatt transfers at 1:1 from Ink Preferred, unlike the Sapphire Preferred which changed to 4:3 for new cardholders in June 2026.

Partner Type Ratio

Aer Lingus AerClubAirline1:1

Air Canada AeroplanAirline1:1

Air France–KLM Flying BlueAirline1:1

British Airways Executive ClubAirline1:1

Iberia PlusAirline1:1

JetBlue TrueBlueAirline1:1

Singapore Airlines KrisFlyerAirline1:1

Southwest Rapid RewardsAirline1:1

United MileagePlusAirline1:1

Virgin Atlantic Flying ClubAirline1:1

IHG One RewardsHotel1:1

Marriott BonvoyHotel1:1

World of HyattHotel1:1

Wyndham RewardsHotel1:1

Protections and coverage

Benefit What it may cover Key limits

Auto Rental Collision Damage Waiver (Primary) Primary coverage for damage or theft of a rental car when renting for business purposes, declining CDW, and charging the full rental to the card. Covers most vehicles when renting for business. Certain vehicle types excluded.

Trip Cancellation/Interruption Insurance May reimburse prepaid, non-refundable travel expenses for a covered cancellation or interruption. Up to $10,000 per trip per covered person. Must charge trip to the card.

Cell Phone Protection May cover business phones for damage or theft when the monthly cell phone bill is paid with the card. Up to $1,000 per claim, up to $100 deductible per claim. Maximum 3 claims per 12-month period.

Purchase Protection May cover eligible purchases against accidental damage or theft for a limited period. Up to $10,000 per claim, up to $50,000 per account. 120 days from purchase date.

Extended Warranty Protection May extend the original manufacturer's warranty on eligible products. Adds up to 1 year to warranties of 3 years or less.

No Foreign Transaction Fees Purchases outside the United States do not incur Chase foreign transaction fees. Applies per card terms.

This card is a fit if…

You want transferable Ultimate Rewards points from business spending — Ink Preferred is the only no-fee ($95) Ink card that earns them directly without needing a Sapphire card.
Your business has meaningful spend on digital advertising (Google Ads, Meta Ads), where the 3x rate can generate large UR balances quickly.
You hold Ink Cash and/or Ink Unlimited and want to unlock transfer value for all three cards' combined earnings through the Ink Preferred anchor account.
You want trip cancellation up to $10k per person and cell phone protection for business phones in one low-fee card.

FAQ

Chase Ink Business Preferred questions.

What are the 3x bonus categories on Ink Business Preferred?

Travel, shipping purchases, internet/cable/phone services, and social media site and search engine advertising — combined up to $150,000 per anniversary year. After $150,000, all earn 1x. The advertising category is particularly powerful for digital businesses spending on Google Ads, Meta Ads, or LinkedIn Ads.

Does Ink Business Preferred earn transferable Ultimate Rewards points?

Yes — directly. Ink Preferred earns UR points transferable to the same 14 airline and hotel partners as the Sapphire cards, including United, Hyatt, Aeroplan, Flying Blue, and others. This distinguishes it from Ink Cash and Ink Unlimited which earn cash back, not transferable points.

Can I transfer Ink Cash and Ink Unlimited earnings through Ink Business Preferred?

Yes. With Ink Preferred (or a Sapphire) in the same Chase login as Ink Cash and Ink Unlimited, you can combine all three cards' rewards. The Ink Cash and Ink Unlimited cash back converts to transferable UR points via the Ink Preferred account. This is the core of the Ink multi-card stack strategy.

What is the $150,000 annual spending cap on 3x categories?

The 3x rate applies to up to $150,000 combined across all four 3x categories per anniversary year — travel, shipping, internet/phone, and advertising together. After $150,000, all earn 1x. Most small businesses won't reach this threshold; high-spend digital agencies are most likely to approach it.

Does Ink Business Preferred have cell phone protection?

Yes. Pay your business cell phone bill with the Ink Preferred and eligible phones are covered for damage or theft — up to $1,000 per claim with a $100 deductible, maximum 3 claims per 12 months. This can cover multiple employee phones on a business plan.

Related guides

More Chase Ink Business guides.

Sources

Chase Ink Business Preferred benefits guide.