• Aditya Bagaria

Chase Business Ink Preferred credit card review!


This is the premium business credit card offered by Chase. It has a plethora of benefits and perks that make it one of the most valuable credit cards to have.

Annual Fee: $95

What type of earning do I get?

3x points per dollar on travel; shipping; internet, cable, and phone services; advertising purchases made with social media sites and search engines up to $150,000 annually.

1x points per dollar on all other purchases.


25% Redemption Bonus

  • When you redeem your points through the Chase Ultimate Rewards Travel portal, they are worth 50% more. That means that 60,000 points are worth $750 rather than the standard $600. This means that every Chase point is worth at least 1.25 cents if used on travel.

Consumer Protections

  • Cell phone protection: Up to $600 per claim against covered theft or damage. Maximum of 3 claims in 12 month period with $100 deductible.

  • Extended Warranty: Adds a year on top of a manufacturer’s existing coverage if the manufacturer's warranty is 3 years or less.

  • Purchase protection: Theft, accidental damage, or loss is covered within 120 days of purchase. A great example might be that new phone or laptop that you leave behind 😊

  • Trip Delay: $500 per ticket if delayed for more than 6 hours.

  • Trip Cancellation: $10,000 per person, and $20,000 per trip for pre-paid non-refundable travel expenses when the trip is canceled or cut short by sickness.

  • Luggage: $3,000 per passenger if luggage, carry-on or checked, is lost by the carrier.


I think this card is valuable for businesses that have high advertising costs. At 3x points, it is one of the best credit cards out there. What stings is the $150,000 annual limit. Another reason for this credit card is cell phone protection. While it has a $100 deductible, they will essentially cover your phone for free. This is one of the best coverage plans with a credit card. This card is for those who ship or advertise a lot. If you aren’t one of those two groups, I’d stay away and go with other credit cards!