Best ways to use Chase Ink Business Preferred points
The Chase Ink Business Preferred earns Chase Ultimate Rewards points. Here's how to use them well — transfer partners, sweet spots, and when it's worth holding the card.
Card snapshot
Issuer
Chase
Program
Chase Ultimate Rewards
Annual fee
$95
Earning rates
- 3× on the first $150K/yr combined in: travel, shipping, internet/cable/phone, and social media/search ads
- 1× on everything else
Top benefits
- Sign-up bonus routinely 90K–120K points
- Cell phone protection up to $1,000
- No foreign transaction fees
- Same transfer partners as personal UR cards
Best ways to use the points
- Funnel business travel and shipping into 3× earning
- Transfer to Virgin Atlantic for Delta One and ANA awards
- Hold alongside Sapphire Preferred to cover both personal and business spend
Transfer partners
Chase Ink Business Preferred points transfer to:
Drawbacks
- Categories cap at $150K/yr combined
- Requires a business entity (even sole proprietor is fine)
Our verdict
The single most powerful business points card for travelers. If you have any form of legitimate side business (even a sole-proprietor 1099 gig qualifies), the Ink Preferred's sign-up bonus alone can cover a round-trip in business class to Europe.
Find award availability before you transfer
Points transfers are almost always non-reversible. Use AwardLocker to confirm saver space first, then move your Chase Ultimate Rewards points only when you're ready to book.
Check availability →