chase ink business travel points

Explore the possibilities

Earn bonus points on select purchases and redeem for travel, gift cards, cash back and more.

Pay with points

Use your points to pay for all or part of your eligible Amazon.com orders or when you check out with PayPal. Same page link to footnote reference *

Apple ® Ultimate Rewards Store

Use your points to pay for all of or part of your Apple purchases.

Shop over 175 of your favorite gift card brands.

Pay Yourself Back

Choose to receive a statement credit on one or more of your eligible purchases.

Chase Dining SM

Redeem your points for takeout, reservations, or exclusive culinary experiences.

Plan your next getaway, and use your points to help pay for it.

Earn bonus points

Earn 1-5 bonus points per $1 spent at 450+ stores with Shop through Chase. ® Same page link to footnote reference *

Turn your rewards into a statement credit or a direct deposit into most U.S. checking and savings accounts.

Experiences

Use your card and points to attend exclusive events curated around your passions with select cards.

Travel to Travel Partners

Transfer your points to any of our airline and hotels partners at full 1:1 value with select cards.

Points earned with Ink Business Premier cannot be moved to other Chase cards or transferred to Chase Travel Partners.

Enjoy value, flexibility and choice

Here are just some of the perks you could get with Chase Ultimate Rewards.

Ready to get away?

Remember to book your travel through Chase Ultimate Rewards. You'll get competitive prices plus the flexibility to use your points, your card or both.

Instantly redeem your points to pay for all or part of your eligible orders at Amazon.com or when you check out with PayPal.

Find something delicious

Visit ChaseDining SM to redeem points for takeout, access exclusive reservations and book culinary experiences.

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Amazon Shop With Points: When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value. Amazon.com Shop with Points service terms apply.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

PayPal is a trademark of PayPal, Inc., registered in the United States and other countries.

Shop Through Chase: To use Shop through Chase, visit www.chase.com/ultimaterewards or the Chase Mobile app and log in using your chase.com user name and password. Participating merchants and offers are subject to change without notice. For complete details, see the Shop through Chase Supplement to your Ultimate Rewards Program Agreement, which can be found by logging on to chase.com/ultimaterewards .

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.

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Chase Ink Business Preferred Credit Card: Transfer Points or Redeem for Travel

This card offers business owners the opportunity to save money on their business trips through point transfers and a redemption bonus.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card from Chase is a good choice for business owners who travel relatively frequently. This  business credit card  offers decent rewards rates and perks, but it truly shines thanks to the point bonus when redeeming rewards for travel through Chase Travel℠ -- and its 1:1 transfer rate to Chase’s airline and hotel partners.

The point bonus makes it easy to earn above-average returns on your travel spending, while the transfer partners add considerable flexibility to the card. If Chase partners with your favorite airline or hotel, you can use your points to pay for a nights stay or airfare. Point transfers take a bit of extra work than simply redeeming points for statement credits, but you’ll be well rewarded for the effort.

The Ink Business Preferred is well worth the $95 annual fee if you find yourself taking regular business trips and looking for a credit card that can help cover some of the expense.

You can earn 3x points per dollar for travel, shipping purchases, advertising purchases made with social media sites and search engines and internet, cable and phone services (on the first $150,000 spent in combined purchases each account anniversary year, then 1x). You’ll earn 1x point for everything else.

Once you’ve earned your rewards, you can redeem them for:

• Travel through Chase Travel℠ (25% point bonus)
• Statement credits
• Pay with points (through Chase Ultimate Rewards or with third-party merchants)

Chase Ultimate Rewards points are usually worth 1 cent each, but can be increased to 1.25 cents by redeeming for travel through Chase Travel℠. 

Cardholders are also able to transfer their points to Chase’s travel partners at a 1:1 rate (1 Chase point = 1 partner mile/point). Transferring points could get you an even better per-point value than other forms of redemption.

Take a look at Chase’s airline and hotel partners that cardholders are able to transfer their points to:

Chase has partnerships with a few of the biggest travel brands including  United , Southwest, Marriott Bonvoy and World of Hyatt. If you have any upcoming business trips, it would be a good idea to use your Chase Ultimate Rewards points to cover all of or some of your hotel or airfare costs.

Chase Travel

Chase’s Travel platform allows cardholders to book all aspects of their travel, including airfare, car rentals and hotel stays. The Chase Ultimate Rewards platform is where cardholders can transfer their points to Chase’s travel partners or redeem points for travel for a 25% bonus through Chase Travel. You can also use the Chase Ultimate Rewards portal to use your points to pay for Apple products.

If you have multiple  Chase credit cards , you’re even able to transfer points between the cards in the Chase Ultimate Rewards family.

Cards include the:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Chase Freedom Flex℠ * 
• Chase Freedom Unlimited®

Ink Business Cash® Credit Card

• Ink Business Unlimited® Credit Card

It’s worth noting that you can still transfer points from a business card, like the Ink Business Preferred, to a consumer card, like the Chase Sapphire Preferred, and vice versa.

The Ink Business Preferred card offers new cardholders 100,000 bonus points for spending $8,000 in the first three months with the card. According to Chase, that would equate to a $1,000 value if redeemed for statement credits, or $1,250 if redeemed for travel through Chase Travel℠. However, you could potentially find an even higher value by transferring your points to Chase’s travel partners. 

The $8,000 spending requirement is higher than you would find on most consumer cards with a comparative annual fee, but lower than other annual-fee-charging business cards like the American Express® Business Gold Card or the Capital One Spark Cash Plus*. Still, you should cross-reference your monthly business expenses to see if your business would be likely to meet it.

In addition to its strong rewards program, the Ink Business Preferred offers business owners a handful of useful perks, including employee cards at no additional cost and a number of protections.

• Trip cancellation/interruption insurance:  If your trip is canceled or interrupted due to a covered event, such as sickness, you could be reimbursed by up to $5,000 per person and $10,000 per trip. 
• Auto rental collision damage waiver:  Get primary rental car coverage against damage and theft. Decline the rental car provider’s insurance offer and charge the full amount of the car rental to your Ink Business Preferred card. Because coverage is primary when renting for business purposes, you don’t have to have or buy a separate car insurance policy, and it pays out before any other coverage you might have.
• Roadside dispatch:  If you run into car trouble while traveling, call 1-800-847-2869 for help. Roadside dispatch services may be able to help you with changing a tire, reviving a dead battery, or providing fuel delivery and lockout services.
• Cell phone protection : Pay your phone bill with the card and get up to $1,000 per claim in cell phone protection against covered damage and theft. You can have a maximum of three claims per year with a $100 deductible per claim.
• Purchase protection:  Your new purchases are covered against damage and theft for 120 days. Coverage is up to $10,000 per claim and $50,000 per account.
• Extended warranty:  If you have a US manufacturer’s warranty of three years or less on a new purchase, you could get it extended by an additional year.

While the Chase Ink Business Preferred is a strong contender for a business travel card, there are others worth considering. If you don’t travel enough to take advantage of the Ink Business Preferred’s rewards and redemption, consider a business travel credit card without an annual fee.

Another member of the Chase Ultimate Rewards family, the Ink Business Cash card is an alternative to earn a return on your business spending without an annual fee. It earns 5% cash back at office supply stores and on internet, cable and phone service (on the first $25,000 spent in combined purchases each anniversary year) , as well as 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each anniversary year). It earns 1% cash back for everything else.

The Ink Business Cash lacks the 25% bonus for redeeming points for travel through Chase Travel as well as the 1:1 transfer rate to Chase’s travel partners, so its rewards may be less appealing for a business owner who travels frequently. The $25,000 spending limit on rewards also makes it better suited to small businesses who don’t spend much annually.

Capital One Spark Miles for Business

You can earn 5x miles per dollar for hotels and rental cars booked through Capital One Travel with the Capital One Spark Miles for Business*, plus 2x miles per dollar for everything else with the Capital One Spark Miles for Business. It has a $95 annual fee ($0 intro annual fee for the first year) and offers mile transfers to Capital One’s travel partners as well as a few useful travel perks including an  application fee credit for Global Entry/TSA PreCheck .

While it does offer mile transfers, the ratios to each will vary more so than the Ink Business Preferred, and Capital One features more international airlines and hotels. The application fee credit for either Global Entry or TSA PreCheck will save you time by skipping security lines at the airport and the rewards are simple. It offers fewer travel protections, but the bottom line is that it’s an uncomplicated travel card that offers solid perks for business people who travel on occasion.

The American Express Blue Business Cash™ Card

A point transfer is another route for redeeming your credit card rewards.. Instead of using your rewards for statement credits or to cover past travel expenses, you can transfer them to one of your credit card issuer’s hotel or airline partners and then use them to cover the cost of airfare or a hotel stay.

Sometimes transferring points will get you the best value for your money, depending on the transfer ratio or current rates, as reservation prices and point values tend to fluctuate.

It depends on the needs of your business. If you’re often away on business trips, utilizing a business travel card that features perks like point transfers, airport lounge access, Global Entry/TSA PreCheck application fee credit, or travel insurance would be more useful than a business rewards card.

On the other hand, business rewards cards are a good way to earn a return on general business spending like shipping, advertising, office supplies, or other types of purchases.

Redeeming rewards for statement credits will reduce the overall balance of your credit account.

Using points for travel means you are spending your points instead of your credit. That means your overall credit balance is not impacted, and there is no risk of accruing interest on purchases made upfront with points.

* All information about the Capital One Spark Cash Plus, Capital One Spark Miles for Business and Chase Freedom Flex has been collected independently by CNET and has not been reviewed by the issuer.

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• Ink Business Unlimited Credit Card

20 Valuable Benefits of the Ink Business Unlimited Credit Card

Jeff Brownson

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Table of Contents

Ink business unlimited card benefits, rewards earning, redemption options, travel coverage, shopping coverages, final thoughts.

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We’ve written many times about how valuable Chase Ultimate Rewards points are if you want to upgrade your travel. In general, the more Ultimate Rewards points you earn, the better your travel options will be .

Chase has a suite of business credit cards that can help you earn Ultimate Rewards points for your everyday business spending. If you’re familiar with Chase’s other Ultimate Reward cards, you’ll recognize how the Ink Business Unlimited ® Credit Card combines the best pieces from the Ink Business Cash ® Credit Card and the Chase Freedom Unlimited ® . You get the business benefits of the Ink Business Cash card, plus the increased rewards-earning structure of 1.5% cash-back on all purchases as seen with the Freedom Unlimited.

Below, we dive into all of the benefits of the Ink Business Unlimited card to see if it’s right for your wallet.

1. No Annual Fee

It’s hard to find a good business card with no annual fee, but the Ink Business Unlimited card delivers. As long as you hold the card, your annual fee will be $0 .

2. Welcome Offer and Introductory APR Offer

With a relatively small minimum spending requirement for your business, you can usually get a large amount of points or cash-back right off the bat and get started earning free travel. Further, the card is also one of the best 0 apr business credit cards . Below is the Ink Business Unlimited card’s current welcome offer:

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited ® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• 3% foreign transaction fee
• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ® .
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC
• APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Foreign Transaction Fees:  3% of each transaction in U.S. dollars
• Chase Ultimate Rewards

Hot Tip: The Ink Business Unlimited card falls under the umbrella of Chase’s 5/24 rule. If you’ve applied for more than 5 new credit cards in the past 24 months, you are highly unlikely to be approved for this card.

3. Zero Liability Protection

Zero liability protection is just what it sounds like. If unauthorized charges are made using your card or with your card information, you won’t be responsible  for those charges.

Hot Tip: Zero liability protection does not apply to charges made by employees of your company with employee cards.

4. Fraud Alerts

Real-time fraud monitoring will help you rest easy knowing that your account is safeguarded . Card transactions are constantly monitored to identify any signs of fraudulent or unauthorized activity. Make sure your email address and phone number are up to date on your online account so you’ll receive fraud alerts right away.

5. Business Card Credit Status

The Ink Business Unlimited card is a business credit card from Chase , not a personal card. You must be either the owner or a member of the executive leadership of a company to be approved for this card.

Whether you have a summer lemonade stand by the local bike trail or you’re a CEO of a Fortune 500 company, Chase may be willing to extend credit to you as a business owner. You can be approved as a sole proprietor with just your Social Security number or as a large corporation with an EIN.

You are eligible for a business credit card as long as you have a legitimate business. You should be prepared to answer questions about your business, including gross sales and number of years in business when applying.

The good news is that as a business card, the Ink Business Unlimited card will not appear on your personal credit report after you are approved .

Bottom Line: Every credit card on your personal credit report will affect both the average age of accounts and credit utilization ratio, both of which are used to calculate your personal credit score. Because this is a business card, it will only appear on your business credit report after you’re approved and you won’t have to worry about it affecting your personal credit score.

6. Employee Cards

Adding employee cards allows you to give employees the freedom to make purchases on behalf of the business while still being able to control spending. With the Ink Business Unlimited card, you can add employee cards at no additional cost .

By giving your employees their own cards, you can reduce the need for reimbursements while simultaneously earning rewards (that you control) on all of their business spending.

Bottom Line: As your business changes over time, so can your employee cards. You can add or remove employee cards or adjust spending limits on each card at any time.

7. Cash-back Rewards

When you earn cash-back rewards with the Ink Business Unlimited card, they are technically awarded in the form of points. For each dollar you earn in cash-back, you’ll receive 100 points. 

Although these points are called Ultimate Rewards points, they don’t have the same value as the Ultimate Rewards points that you earn with Chase’s premium cards, which you can transfer to airline and hotel programs . Points earned with the Ink Business Unlimited card are redeemable in several ways, most at a value of 1 cent per point, but they can’t be transferred directly to airline or hotel programs (although there is a workaround for that, mentioned below).

Hot Tip: You can convert Ultimate Rewards points earned with the Ink Business Unlimited card to the more valuable version of Ultimate Rewards points by moving them to another premium card in your Chase account. See our Redemptions Options section below for more information on how to do that.

8. Unlimited 1.5% Cash-back

The Ink Business Unlimited card earns 1.5% cash-back on all eligible purchases made with the card. There are no bonus categories to worry about tracking, and there is no limit to the amount of rewards you can earn.

If you have a premium Chase card in addition to the Ink Business Unlimited card, you can effectively earn more than 1.5% back on all purchases, which we’ll explain later.

Hot Tip: If your business does a lot of spending at office supply stores or on internet, cable, and, phone services, take a look at the Ink Business Cash card . Instead of the 1.5% cash-back you would earn with the Ink Business Unlimited card, you’ll earn 5% in the aforementioned categories on the first $25,000 you spend each year.

9. 5% Cash-back on Lyft

Through March 31, 2025, you can earn 5% cash-back on Lyft purchases, which is a fantastic way to get bonus rewards on rideshare purchases.

10. Rewards Don’t Expire

Your rewards points don’t expire as long as you keep your Ink Business Unlimited card account open. If you want to save up for expensive award flights for your whole family, you don’t have to worry about doing it before your points expire. They will be there when you’re ready to use them.

Most Ink Business Unlimited card redemption options yield a value of a penny per point. But if you were to pair this card with a premium Chase Ultimate Rewards card , you’d be able to get a much higher value for your points. We’ll look at how to do this below.

Although we usually don’t recommend redeeming your points for 1 cent per point, you may have no choice if this is your only Chase card. Here are the different ways you can redeem your points:

11. True Cash-back

If you want to use the Ink Business Unlimited card as a true cash-back card, you will earn 1.5% cash-back on all of your purchases.

You have the following options available when redeeming your points for straight cash-back:

• Statement Credit:  You can redeem points for a statement credit at a value of 1 cent each
• Bank Account Deposit:  Points can be directly deposited to most U.S. bank accounts at a value of 1 cent each

Hot Tip: This card may not be the best option if you are looking for a true cash-back card. There are several business cards available that have better earning rates for cash-back on your purchases in certain business spending categories.

12. Travel Through Ultimate Rewards

You can use your points to book travel through the Chase Travel portal at a value of 1 cent each . There are no blackout dates or restrictions on travel booked through Chase Travel.

If you can find a flight, hotel, or cruise, it will be available for booking. Your points can be redeemed for airfare, hotels, cruises, rental cars, premium travel packages, and more.

Hot Tip: Ink cardholders receive access to Chase Dining through Ultimate Rewards. This program offers benefits like exclusive Chase cardmember tables, virtual dining experiences with top chefs, and curated meals to-go.

13. Shop With Points on Amazon

When shopping at Amazon.com , you can redeem your points to instantly pay for all or part of your order, including any taxes or shipping charges. Points redeemed at Amazon are worth 1 cent each . You need to connect your Ink Business Unlimited card account with your Amazon account to use points on Amazon.

14. Gift Cards

If you prefer to redeem the points from your Ink Business Unlimited card for gift cards, that’s an option. Gift cards from over 180 merchants, including Amazon, Apple, Target, Nike, and more are available in a variety of denominations. Points redeemed for gift cards are worth 1 cent each. However, Chase often discounts gift card redemptions, meaning you can sometimes get more than 1 cent per point in value.

15. Pair With Other Ultimate Rewards Cards

The points you earn with the Ink Business Unlimited card are not the more valuable transferable type of Ultimate Rewards points. But you can turn your lower-value points into the higher-value version of Ultimate Rewards to get the best value when redeeming your Ink Business Unlimited card points. When redeemed in this way, point values can reach 2, 3, 4, and even 10 cents per point .

Hot Tip: All you need to do to increase the redemption value of your points is pair your Ink Business Unlimited Card with a premium Ultimate Rewards account. You can then move your points over to the premium account and they’ll be transferable to the loyalty programs of any of Chase’s airline and hotel transfer partners . Read more for examples of the best redemptions when redeeming Chase points .

You can also use the Chase travel portal, which allows you to book any type of travel with no blackout dates, and get 25% to 50% more value from your points with a premium Chase card.

According to Chase, you’re allowed to combine your points with the following account types:

• Another card account in your name
• A card account in the name of your spouse or domestic partner
• A card account in the name of one of your business partners

Bottom Line: Make the Ultimate Rewards points you earn with your Ink Business Unlimited card far more valuable by moving them over to the account of another premium Ultimate Rewards card within your portfolio. Then, you’ll be able to transfer them to airlines and hotels to redeem for luxury travel at up to 10 times or more in value .

16. Auto Rental Collision Damage Waiver

When you rent a car for business purposes and pay for the entire rental with your Ink Business Unlimited card, you will get primary theft and collision damage coverage when renting for business and secondary coverage for personal rentals.

You must decline the rental car company’s collision insurance for the coverage from your card to apply. Coverage will be good for most rental vehicles in the U.S. and abroad.

Hot Tip: This is one area where Chase Ink cards are better than many competitors. Primary coverage means this coverage will pay out before your personal or corporate insurance policies if you have a claim. Most cards that provide rental coverage offer secondary coverage that will pay out after other policies.

17. Travel and Emergency Assistance Services

The benefits administrator for your Ink Business Unlimited card can provide legal or medical referrals or other travel and emergency services if you find yourself in trouble when you’re away from home. After your referral, you’ll be responsible for paying for goods or services provided by the individuals or companies referred.

Be sure to call local emergency services  first if you’re in immediate danger.

18. Roadside Dispatch

Call the number provided with your card if you have a roadside emergency to be provided 24-hour dispatch services. When you call, you’ll get a free quote for the services you need. If you accept, a pre-negotiated, flat fee of $69.95 will be charged to your Ink Business Unlimited card per service call.

Services available by dispatch include, but are not limited by, the following:

• Gas delivery
• Lockout service
• Tire change

19. Purchase Protection

Any new goods purchased with your Ink Business Unlimited card will be protected for 120 days from the date of purchase against damage or theft. Your card will cover you for up to $10,000 per claim and up to $50,000 per calendar year .

20. Extended Warranty Protection

If you purchase an item with your Ink Business Unlimited card and it comes with a U.S. manufacturer’s warranty of 3 years or less, this benefit will extend the warranty by 1 year. Using this coverage is a good way to avoid purchasing extended warranties because you’ll automatically get coverage from your card.

If your business makes a lot of purchases that aren’t offered as bonus categories on other cards, and you like the ability to earn travel rewards in addition to cash-back, the Ink Business Unlimited card is definitely something you should consider. Earning 1.5% cash-back on all purchases, not having to keep track of bonus categories, and no limits to the rewards you earn is an enticing offer.

Pair that 1.5x earning with a premium Ultimate Rewards card and the value of your points increases even more. You can then transfer those points to Chase’s airline or hotel partners and get anywhere from 2 to 10+ cents per point when booking luxury travel.

However, if your business spends a lot on bonus categories like travel or office supplies , there are better cards for you. Take a look at the Ink Business Cash card for 5% cash-back at office supply stores or the American Express ® Business Gold Card which offers 4x points on multiple spending categories. Note that the Ink Business Unlimited card charges a 3% foreign transaction fee, making this product not suitable for frequent international travelers.

For rates and fees of the American Express ® Business Gold Card, click here .

Frequently Asked Questions

Is the ink business unlimited card a good card.

The Ink Business Unlimited card is generally considered a good business credit card. It offers a solid rewards-earning rate on all purchases and benefits that can help save your business money.

Does the Ink Business Unlimited card earn points?

The Ink Business Unlimited card is marketed as a cash-back card, but it actually earns Ultimate Rewards points, which can be used for cash-back, travel, or gift cards. These points can even be converted into transferrable rewards points if you also have another premium Chase card like the Ink Business Preferred® Credit Card .

Can anyone get an Ink Business card?

The Ink Business Unlimited card is marketed towards business owners that have a great to excellent credit score. Although it doesn’t eliminate you from getting approved for this card, it’ll be easier if you have an established business with perfect payment history on your credit report in order to meet the Ink Business Unlimited credit score requirements .

What credit score do you need for a Chase Ink card?

It’s probably best to apply if you have at least a 670 credit score, which is defined as a good credit score. A higher score is better, but this is generally the minimum threshold to get approved for the Ink Business Unlimited card.

What is the Ink Business Unlimited card's credit limit?

The minimum credit limit for the Ink Business Unlimited card is $3,000, but we’ve seen credit limits close to $100,000 for certain business owners.

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About Jeff Brownson

Since discovering miles and points in 2010, Jeff has traveled to over 35 countries, flying in first class, business class, and sometimes even in coach. Whether he’s staying in a hostel dorm, or in a luxury suite at a 5 star hotel, Jeff is constantly looking for the best deal to make travel as close to free as possible.

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The Chase Sapphire Preferred® Card is Business Insider's top choice out of the best credit cards for earning and redeeming rewards toward flights, hotel stays, cruises, rental cars, and other travel adventures.

If you're new to rewards credit cards or don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on various travel and dining purchases and offers some of the best travel and purchase protection available, including primary car rental insurance. 

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

Earn 75,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Chase Sapphire Preferred® Card Overview

The Sapphire Preferred Card is one of the best rewards credit cards with an annual fee under $100, with a generous welcome bonus offer of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Beyond its rewards, the Sapphire Preferred Card comes with some of the best travel coverage available, including trip cancellation and interruption insurance and primary car rental insurance.

The Sapphire Preferred Card also includes a $50 annual credit for hotels booked through the Chase Travel℠ Portal, a 10% anniversary points bonus, and up to 5 points per dollar in popular spending categories.

You may find yourself interested in both the Chase Sapphire Preferred and the Chase Sapphire Reserve , but on the fence about paying a high annual fee. For most people, it makes more sense to get the Chase Sapphire Preferred® Card first because it comes with a larger welcome bonus and many of the same travel and shopping benefits. If you find yourself traveling more later on, you can always upgrade your Chase Sapphire Preferred to the Sapphire Reserve .

Chase Sapphire Preferred® Card Rewards

Welcome bonus.

TheChase Sapphire Preferred® Card bonus is 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This welcome offer is worth $1,350 in travel, based on Business Insider's points and miles valuations . 

As long as your Sapphire Preferred Card is open and in good standing, your Chase Ultimate Rewards® points will not expire. However, if you close your card, you'll lose all the points in your account — so be sure to redeem them or transfer them to an airline or hotel partner before you cancel.

How to Earn Points With the Chase Sapphire Preferred® Card

Sapphire Preferred Card members earn points at the following rates per dollar:

• 5 points on all travel purchased through Chase Travel℠
• 3 points on dining, including eligible delivery services, takeout, and dining out
• 3 points on select streaming services
• 3 points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
• 2 points on all other eligible travel purchases

All other purchases earn one point per dollar. 

How to Use Chase Ultimate Rewards Points 

Chase Ultimate Rewards® points are worth 1 cent each by default when redeemed through the Chase Travel Portal. With the Chase Sapphire Preferred® Card, you get 25% more value, or 1.25 cents per point.

Redeem Chase Points for Travel

You can redeem Ultimate Rewards points for flights, hotels, rental cars, and more through the Chase Travel Portal at the 1.25-cent rate with no limits or blackout dates. The redemption system searches many airline and hotel brands, with a similar feel and layout to major discount travel websites.

However, if you want to get even more value per point, you can transfer to Chase's airline and hotel transfer partners at a 1:1 ratio. That means 1 Chase point equals 1 point or mile in these programs:

You generally get the best value per point by transferring to airlines and booking premium travel, like a first-class flight or a hotel stay that would cost hundreds of dollars. Also, keep in mind that many transfer partner airlines are members of alliances that give you additional partner airline choices.

When you get a good deal, you can book a domestic round-trip flight for 25,000 points. With British Airways, for instance, you can book short-haul flights on partner American Airlines for even fewer points. Southwest also offers many great deals with no checked baggage fees for your first two bags.

If you earn the welcome bonus offer on the Sapphire Preferred Card, you'll have more than enough points for a round-trip award flight to Europe — and depending on the partner you redeem with, you could have points left over to jumpstart your next trip.

Redeem Chase Points for Other Purchases

There are plenty of non-travel options for redeeming your Chase points, but you won't necessarily get as much value as you would by transferring to partners:

• Cash back :  Cash in your points at a rate of 1 cent each toward a statement credit or direct deposit to your bank account
• Chase Pay Yourself Back : Use points toward eligible purchases at a rate of up to 1.25 cents apiece
• Gift cards:  Your points are worth 1 cent each toward gift cards from popular merchants 
• Apple, PayPal, and Amazon purchases: Use points directly for Apple (1 cent each), PayPal (0.8 cents each), or Amazon (0.8 cents each) purchases; the latter two options aren't a good value — you're better off paying for your purchase with the card, then redeeming points at 1 cent apiece toward a statement credit

Chase Sapphire Preferred® Card Benefits and Features

The Chase Sapphire Preferred® Card's benefits come in handy when traveling and shopping at home, online, or anywhere your travels take you.

When you're traveling outside the U.S., the Chase Sapphire Preferred® Card does not charge any foreign transaction fees. Foreign transaction fees are typically 3% to 5% of your purchase, so they can quickly add up if you don't take the right card on your trips abroad.

Annual Hotel Credit

The Sapphire Preferred Card offers up to $50 in annual statement credits toward hotel purchases made through the Chase Travel Portal. New cardholders can start earning the credit immediately, while existing cardholders will be eligible after their next account anniversary.

Maximizing this credit is an easy way to shave up to $50 off the card's $95 annual fee — making your net out-of-pocket cost each year just $45.

10% Anniversary Point Bonus

Each year on your account anniversary, you'll receive a points bonus equal to 10% of all purchases made in the previous year.

For example, if you spent $25,000 on the card in an anniversary year, you'd receive a bonus of 2,500 points.

Primary Car Rental Insurance

The Sapphire Preferred Card card includes primary car rental insurance for damage due to theft or collision, which means it kicks in before your own car insurance and allows you to confidently pass up the extra charge of a car rental agency's own insurance whenever you rent a vehicle and pay with the Sapphire Preferred Card (note that it doesn't include liability insurance).

Most cars and countries are included, but check the terms and conditions for specific exclusions.

Trip Interruption/Cancellation Insurance

If you've paid for an eligible trip with the Sapphire Preferred Card and it's cut short or canceled for a covered reason like illness or severe weather, the card's travel insurance could reimburse you up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses.

Trip Delay Insurance

When you use your Sapphire Preferred Card to pay for your fare, its trip delay insurance can get you reimbursed up to $500 per ticket for hotel rooms, food, toiletries, clothes, or other reasonable expenses when your flight is delayed overnight or by 12 hours or more.

Baggage Delay Insurance

If you've paid for your travel with the Sapphire Preferred Card and your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to five days.

Lost Luggage Reimbursement

If the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger as long as you've paid for your tickets with the Sapphire Preferred Card.

Extended Warranty

The Sapphire Preferred Card extends the time period of a US manufacturer's warranty on eligible items by an additional year, on warranties of three years or less when you pay with your card.

Purchase Protection

If an eligible item you've bought with the Sapphire Preferred Card is damaged or stolen within 120 days of purchase, purchase protection could make you eligible for up to $500 in reimbursement per claim, and up to $50,000 per account.

Travel and Emergency Assistance Services

If you're traveling away from home and have a problem, you can get help with medical and legal referrals or other emergency assistance. This service is free for Sapphire Preferred Card cardholders, but any third-party costs are your responsibility.

Travel Accident Insurance

When you pay for your air, bus, cruise, or train transportation with the Sapphire Preferred Card, you're eligible for accidental death or dismemberment coverage of up to $500,000.

Roadside Dispatch

Sapphire Preferred Card cardholders can contact the roadside dispatch hotline for help with arranging services like towing and flat tire repair for a set fee.

DoorDash DashPass

With the Sapphire Preferred Card, you can receive a complimentary DashPass membership (for waived delivery fees on qualifying orders) through December 31, 2024. Enrollment is required to receive this perk. 

Instacart Benefits

Through July 31, 2024, Sapphire Preferred Card cardholders can enroll for a complimentary six months of Instacart+ membership, which comes with free delivery on orders of $35+ and reduced service fees. If you don't plan to keep the membership open beyond six months, be sure to set a calendar reminder to cancel, otherwise, it will automatically renew for another year (currently $99) once your free six months are up.

With the Sapphire Preferred Card, you can now also earn up to $15 per quarter in statement credits toward Instacart purchases (activation required). If you maximize this benefit each quarter, it's worth up to $60 per year — which makes up for much of the card's annual fee.

Chase Sapphire Preferred® Card Fees

It is easy to see how you can get $100 or more in value from this card every year, but it isn't free. The Chase Sapphire Preferred® Card charges a $95 annual fee. However, you can use the card for international purchases without worrying about extra charges, because it doesn't add foreign transaction fees.

Like most other credit cards, you'll pay interest if you carry a balance (currently a 21.49% - 28.49% Variable APR), and there fee in other situations, including balance transfers, cash advances, late payments, and returned payments.

Compare the Chase Sapphire Preferred® Card Card

The Sapphire Preferred Card isn't the only credit card geared to travelers that offers top-notch benefits and generous rewards. Depending on your spending and travel habits, one of these alternative credit cards could be a better fit for you. 

The Chase Sapphire Reserve® , one of the best premium travel credit cards available, is the top-tier "sibling" of the Sapphire Preferred Card.

The Chase Sapphire Reserve has a $550 annual fee compared to a $95 annual fee on the Sapphire Preferred Card. 

The Chase Sapphire Reserve comes with up to a $300 annual travel credit and access to more than 1,500 airport lounges through its complimentary Priority Pass membership. Cardholders can also redeem Ultimate Rewards through the Chase portal at a value of 1.5 cents apiece, compared to the 1.25 cents apiece for Sapphire Preferred Card.

Chase Sapphire Reserve cardholders earn 10 points on Lyft rides through March 2025; 10 points on hotels and car rentals booked through Chase; 10 points on Chase Dining; 5 points on airfare through Chase travel; 3 points on other dining and travel; and earn 1 point per dollar on all other purchases. 

Read more in our Chase Sapphire Reserve credit card review . 

If you want a mid-tier travel credit card that earns American Express Membership rewards, the American Express® Gold Card is a good option for you to consider. Cardholders earn 4 points at U.S. supermarkets  and restaurants; 3 points on flights booked directly with airlines or through Amex Travel; and 1 point per dollar on all other eligible purchases.

New Amex Gold cardholders can earn 60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership, and can benefit from extra perks at Amex Hotel Collection properties when booked through Amex; secondary car rental insurance; trip delay insurance; baggage insurance; extended warranty; purchase protection; and up to $10 in Uber Cash each month, up to $120 per calendar year.

American Express® Gold Card cardholders who enroll in the benefit can can also get a $10 monthly dining credit at Grubhub, Seamless, The Cheesecake Factory, Wine.com, Milk Bar, Goldbelly, and participating Shake Shack locations. This card has an annual fee of $250, which is significantly higher than that of the Sapphire Preferred Card but can be offset by all of the bonus credits if you're able to use them. 

Read more in our Amex Gold Card review .

Capital One Venture Rewards Credit Card vs. Chase Sapphire Preferred® Card

The Capital One Venture Rewards Credit Card is nearly identical to the Sapphire Preferred Card, but for people who prefer Capital One as a credit card issuer. 

New cardholders can earn a welcome bonus of 75,000 miles after spending $4,000 on purchases within three months from account opening. The card has an annual fee of $95, and earns a flat rate of 2 miles per dollar on most purchases. They will earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. 

Read more in our Capital One Venture card review .

Sapphire Preferred Card Frequently Asked Questions

To be eligible to apply for the Sapphire Preferred Card, you have a credit score in the good to excellent range. However, Chase only allows you to have one Sapphire card at a time, so if you already have the card (or its sibling, the Chase Sapphire Reserve®), you won't be approved.

The $95 is worth it for occasional and frequent travelers, even the annual fee might seem intimidating if you've only had no-annual-fee cards in the past. It's definitely worth it in the first year because the value of the welcome bonus far exceeds the cost.

The Sapphire Preferred Card earns Chase Ultimate Rewards points, which you can redeem for travel booked through Chase, statement credits, gift cards, and merchandise. The best way to use your rewards is usually by transferring them to Chase's airline and hotel partners, because you can often get outsized value from your points this way.

The Sapphire Preferred Card does not charge extra to add authorized users. Additional cardholders get their own card, but any points earned from their spending will belong to the primary cardholder. Keep in mind any transactions made by your authorized users are your responsibility, so only add folks you trust.

The minimum credit limit for the Sapphire Preferred Card is usually $5,000 because it's a Visa Signature card. Many people get approved for credit limits that are higher than that.

The difference between the Sapphire Preferred and Reserve is that the Sapphire Preferred Card is a mid-tier card with a $95 annual fee and generous rewards for spending. The Chase Sapphire Reserve® is a premium card meant for frequent travelers, and comes with upscale benefits and rewards in exchange for a $550 annual fee.

You can upgrade the Sapphire Preferred Card if you've had it for at least a year. Should you decide it's not a good fit, you can call Chase and ask to product change to a different personal Chase Ultimate Rewards earning card. For example, if you find yourself traveling more often and want perks like Priority Pass airport lounge access , you could ask for an upgrade to the Chase Sapphire Reserve®.

You can downgrade the Sapphire Preferred Card if you've had it for at least a year. If you find that paying the Sapphire Preferred Card's annual fee isn't worth it for you, you could request a downgrade to the no-annual-fee Chase Freedom Flex℠ or Chase Freedom Unlimited®. 

No, the Sapphire Preferred Card doesn't come with a TSA PreCheck or Global Entry credit. However, its sibling, the Chase Sapphire Reserve, does offer this feature. You can find more options in our guide to the best credit cards with Global Entry and TSA PreCheck credits.

Why You Should Trust Us: How We Reviewed the Chase Sapphire Preferred

We compared the Sapphire Preferred Card to similar travel rewards credit cards and assessed the card on various factors, including:

• Ease of use — Does the card make it easy to earn and redeem rewards? Are there multiple options for using points?
• Rewards earning potential — Are there broad bonus categories that are useful to a wide range of customers, and are any of them capped at a certain amount of spending?
• Annual fee — Is the annual fee worth paying based on the card's rewards and benefits?
• Benefits — How do the card's perks, especially travel benefits, stack up against similar cards?

Here's a full breakdown of how we rate credit cards at Business Insider.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

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Ink Business Unlimited credit card review: Great perks with no annual fee

The Ink Business Unlimited Credit Card is one of the best business cards with no annual fee because it earns 1.5% back on every purchase. This card also has a $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Card Rating*: ⭐⭐⭐⭐

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

The Ink Business Unlimited Credit Card is a small-business card that closely mirrors the popular Chase Freedom Unlimited, but with a much higher introductory bonus. There is no annual fee, and its simple reward structure is more valuable than it looks at first glance.

Although other cards earn 1.5% cash back (or more), with the Ink Business Unlimited card, you can earn cash back in the form of Chase Ultimate Rewards points . Those Chase points can become significantly more valuable if you also have a premium Ultimate Rewards card. That's because you can combine Chase points from your accounts and then transfer them to the Ultimate Rewards program's various airline and hotel partners.

The Ink Business Unlimited is a business credit card and is thus tailored to those with small businesses. While not everyone is eligible for a business credit card , it may be easier to be approved than you think — provided you have a "good to excellent" credit score of 670 or above — because freelancing and other sole-proprietor enterprises can count as a business in the eyes of Chase and many other issuers.

Ink Business Unlimited welcome offer

Currently, the welcome offer on the Ink Business Unlimited is $750 cash back after you spend $6,000 on purchases in the first three months from account opening.

The $750 cash back is earned in the form of uber-flexible Chase Ultimate Rewards points (75,000 points), which you can redeem at a rate of 1 cent each as cash back, gift cards or travel booked through Chase Travel.

However, you can more than double your return (potentially) if you pair the Ink Business Unlimited with a card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred Card . According to TPG valuations , 75,000 Ultimate Rewards points are worth $1,537.50. That's a solid haul on a card that charges no annual fee.

Ink Business Unlimited benefits

You get what you pay for when it comes to benefits, so it's no surprise that the Ink Business Unlimited doesn't offer as many perks as other cards with higher annual fees. Its benefits are identical to those offered by the Ink Business Cash Credit Card but they're not quite as good as the perks offered on the Ink Business Preferred Credit Card . Most notably, you will not get cellphone protection or trip cancellation/interruption insurance.

Here's a quick rundown of what's included:

• Purchase protection: This covers new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Auto rental collision damage waiver: When you rent a car for business purposes using Ink Business Unlimited, you can decline the rental car company's collision insurance and be covered by the card up to the vehicle's cash value in the case of theft or collision damage. This is valid on most rentals in the U.S. and abroad, and coverage is primary , which means it applies before your own car insurance policy.
• Extended warranty: This extends the time period of a U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
• Employee cards at no additional cost: If employees are allowed to use the account, they will be authorized users and will have equal charging privileges, unless you establish individual spending limits.

Earning rewards on the Ink Business Unlimited

The Ink Business Unlimited earns 1.5% cash back on all purchases using a straightforward rewards structure that requires no thinking about rotating or bonus categories. This represents both the beauty of this card and its potential downside.

For example, if you buy airfare with this card, you could be forgoing rewards of up to 5 points per dollar that a card like the Chase Sapphire Reserve offers (when booked through Chase Travel ).

The same goes for paying for office supplies or internet service. The Ink Business Cash earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellphone and landline services each account anniversary year (1% thereafter). It also earns 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account year.

Be careful about evaluating this card only on its cash-back value. The unlimited cash-back offered by this card won't give you the highest return among cash-back business credit cards — if you redeem for cash, anyway.

Redeeming rewards on the Ink Business Unlimited

There are a few key ways to redeem your rewards: cash back, gift cards, travel or goods and services offered through Chase's rewards program.

If you redeem for cash, you can receive your money as a statement credit or through an electronic deposit into an eligible U.S. checking or savings account. Points redeemed for cash, gift cards or travel are worth 1 cent apiece.

Transferring rewards on the Ink Business Unlimited

You can boost your redemption rate to an effective return of 3% (based on TPG's valuations) on all spending if you move your points to a full-fledged Ultimate Rewards personal or business card, such as:

• Ink Business Preferred Credit Card
• Chase Sapphire Preferred Card
• Chase Sapphire Reserve

The other card must be registered to you, the owner of the company or a member of your household to qualify for a transfer.

The Ink Business Unlimited can represent an incredible value proposition when partnered with any of these other cards. Once you move points to an account that earns Ultimate Rewards, you can transfer them to valuable airline and hotel partners , or book travel directly through Chase Travel and receive a flat value for your points (1.5 cents per point with the Chase Sapphire Reserve; or 1.25 cents per point with the Chase Sapphire Preferred or Ink Business Preferred).

You could get well over 2 cents per point in value, depending on which transfer partner you choose. For example, you could transfer 97,000 points to Singapore Airlines KrisFlyer to book a one-way, first-class flight from New York's John F. Kennedy International Airport (JFK) to Frankfurt Airport (FRA) that regularly costs $5,000 or more, getting you nearly six cents per point.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

What cards compete with the Ink Business Unlimited?

The Ink Business Unlimited's competitors are cards that offer a similar return on all spending. Business credit cards that offer fixed-rate rewards include:

• Capital One Spark Miles for Business : Earn 2 miles per dollar on all purchases. Earn a sign-up bonus of 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening. The introductory annual fee is $0, then $95 after (see rates and fees ). For more information, read our review of the Capital One Spark Miles for Business .
• Capital One Spark Cash Select for Excellent Credit : Earn 1.5% cash back on all purchases. Earn a sign-up bonus of $750 once you spend $6,000 on purchases within three months from account opening. This card has no annual fee (see rates and fees ). For more information, read our review of the Capital One Spark Cash Select for Excellent Credit .
• The Blue Business® Plus Credit Card from American Express : Earn 2 points per dollar on all eligible business purchases up to $50,000 per calendar year (1 point per dollar thereafter). This card has no annual fee (see rates and fees ). For more information, read our review of The Blue Business Plus Credit Card from American Express .

Read more: The best business credit cards

Is the Ink Business Unlimited worth it?

The Ink Business Unlimited is a valuable option for everyday spending if you pair it with the right card. The Ink Business Cash Credit Card and Ink Business Preferred Credit Card don't offer a solid return on everyday, non-bonus spending, so this card fills that gap.

You can really maximize your business credit card rewards by pairing the Ink Business Unlimited with a premium Chase card like the Chase Sapphire Reserve . Watch out for the restrictions of the Chase 5/24 rule , though.

Bottom line

One advantage to opening Chase business credit cards is that they won't add to your Chase 5/24 count once they're open, even though applying for them in the first place is subject to the rule.

So, if you qualify for business credit cards, it's a smart strategy to apply for a Chase business card, like the Ink Business Unlimited , before you apply for personal credit cards from Chase or other banks, which will count toward that 5/24 limit. And this card offers a great return on everyday spending that can be supercharged if you have another card earning Chase Ultimate Rewards points.

Apply here: Ink Business Unlimited Credit Card with a bonus of $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.

For rates and fees of the Blue Business Plus Card, click here .