# Ink Business Preferred® Credit Card

> Earn up to 3x on travel and 3x on flights. $120+ in statement credits per year. $95 annual fee.

Canonical page: https://cardstack.money/cards/ink-business-preferred-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $95
- Rewards program: Ultimate Rewards (https://cardstack.money/programs/chase-ultimate-rewards.md)
- Total statement credits value: $120 per year
- Net value after annual fee: +$25 per year (credits value minus fee)
- Welcome offer: 100,000 Ultimate Rewards points after you spend $8,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Travel | Up to $150,000 |
| 3x | Flights | Up to $150,000 |
| 3x | Hotels | Up to $150,000 |
| 3x | Phone / Wireless | Up to $150,000 |
| 3x | Internet Cable | Up to $150,000 |
| 3x | Advertising | Up to $150,000 |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Cell Phone Protection - $0/yr ($0 annual)

Up to $3,000 per year in cell phone protection (max 3 claims, $100 deductible each) when you pay your monthly cell phone bill with the card.

- Resets: Up to $3,000/year ($100 deductible per claim)
- Where to redeem: Pay cell phone bill with card – covers damage, theft
- Details: https://cardstack.money/benefits/ink-business-preferred-credit-card-cell-phone-protection.md

### DoorDash Grocery & Retail Credit - $120/yr ($10 monthly)

Up to $10 per month on grocery and retail DoorDash orders once you activate the complimentary DashPass membership (activate by 12/31/27). Benefits end 12/31/27.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Up to $10/month on DoorDash grocery and retail orders (DashPass activation required)
- Details: https://cardstack.money/benefits/ink-business-preferred-credit-card-doordash-grocery-retail-credit.md

## Other benefits

- **Cell Phone Protection**: Up to $1,000 per claim against covered theft or damage for cell phones listed on your monthly cell phone bill when paid with the card; $100 deductible per claim; maximum 3 claims per 12-month period.
- **Auto Rental Collision Damage Waiver**: PRIMARY when renting for business purposes; reimburses up to $60,000 for theft and collision damage on most rental vehicles with MSRP ≤ $125,000.
- **Trip Cancellation and Interruption Insurance**: Up to $5,000 per covered traveler and $10,000 per trip for prepaid, non-refundable travel expenses (passenger fares, tours, hotels) when canceled or cut short by sickness, severe weather, or other covered situations.
- **Purchase Protection**: Eligible new purchases covered for 120 days against damage or theft, up to $10,000 per item; New York residents: 90-day coverage period.
- **Extended Warranty Protection**: Adds one extra year to manufacturer's U.S. warranties of 3 years or less, up to 4 years from purchase date.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.
- **Earn rule**: All 3x categories (travel, shipping, advertising on social-media + search engines, internet/cable/phone services) share a SINGLE $150,000 combined cap per account anniversary year. After the cap, those purchases earn 1x.
- **Earn rule**: Shipping purchases earn 3x but are not modeled as a structured category in this app (schema-limited); they share the same $150,000 combined anniversary-year cap.
- **Lyft Bonus Earn rule**: 5x points on Lyft rides through 09/30/2027.
- **DashPass Membership**: Complimentary DashPass for ≥1 year when activated by 12/31/27.


---

CardStack automatically tracks the Ink Business Preferred's $120 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863