Chase Ink Business Preferred: Why It’s Still the Best

The Chase Ink Business Preferred has been the top business card recommendation for years. Here’s why it remains the best choice for most small business owners.

Why It’s the Best

1. The Welcome Bonus 100,000 Ultimate Rewards points = $1,000-2,000 in travel value. Few cards match this.

2. 3X Categories Hit Business Spending

• Shipping (FedEx, UPS, USPS)
• Internet and phone bills
• Advertising (Google, Facebook, Instagram)
• Travel

These are actual business expenses, not manufactured categories.

3. Transfer Partners Points transfer to Hyatt, United, Southwest, and others. This unlocks premium value unavailable with pure cash back cards.

4. Doesn’t Count Toward 5/24 Chase business cards don’t add to your personal 5/24 count (though you need to be under 5/24 to apply).

Who Should Get It

Yes if:

• You have any business activity (freelance, side gig, rental property)
• You spend on shipping, ads, phone, or internet
• You want transferable points for travel
• You’re under 5/24

No if:

• You have no business activity whatsoever
• You prefer simple cash back
• You’re over 5/24

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.