Which purchases qualify for 3 points per dollar with the Ink Business Preferred?
Editor's Note
The Ink Business Preferred® Credit Card (see rates and fees) is popular for small-business owners because it earns transferable Ultimate Rewards points in multiple common business spending categories.
It's currently offering new applicants a welcome bonus of 100,000 points after spending $8,000 on purchases in the first three months from account opening.
Let's examine the types of purchases that earn bonus points on the Ink Business Preferred Credit Card and the details of the sign-up bonus.
Bonus categories
With the Ink Business Preferred Credit Card, you'll earn 3 Chase Ultimate Rewards points per dollar on the first $150,000 you spend in combined purchases each account anniversary year in the following categories:
- Travel
- Shipping purchases
- Internet, cable and phone services
- Advertising purchases with social media sites and search engines
If you spend $150,000 in these categories during an account anniversary year, you'll earn 450,000 Ultimate Rewards points on your purchases.
Based on TPG's January 2025 valuation of Chase Ultimate Rewards points at 2.05 cents each, these points would be worth a whopping $9,225.
Related: How to choose the right credit card for your business expenses
Qualifying merchants
You may wonder exactly which merchants are covered by the Ink Business Preferred's 3-points-per-dollar bonus categories. Luckily, Chase provides more guidance on its website. Here are the definitions:
Travel
Merchants in this category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
Some merchants that provide transportation and travel-related services are not included in this category, such as real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.
Related: Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?
Shipping purchases
Merchants in this category specialize in mailing packages, hauling freight, and transporting goods or documents. Shipping merchants include couriers, postal and freight shipping companies, express shipping services and mailbox stores.
Merchants who sell a wide variety of general goods but also ship items, including office supply stores that also mail packages will not be included in this category. The additional cost to ship something you buy, or using a third party (such as Amazon) for bulk warehousing and shipping will not qualify. Merchants that primarily sell boxes, packing tape, bubble wrap or other shipping supplies are also not included in this category.
Internet, cable and phone services
Only purchases for internet, cable, satellite television and radio, cellular, wireless data, and landline services will qualify.
Purchases of equipment are not included. If you purchase or pay for your internet, cable and satellite television, phone or related services in a merchant's store that is not classified by the merchant in the applicable services category, the purchase or payment will not qualify; for example, phone bill payments in a merchant's store that is classified as a telephone equipment store.
Advertising purchases with social media sites and search engines
Merchants in this category include social media websites and online search engines that advertise a business, brand, products or services.
Advertising purchases that are not made directly from a social media website or online search engine merchant may not qualify; for example, advertising purchases made through a third party such as an ad agency or web designer offering related services. Also, purchases from social media websites or online search engines that are not for advertising will not qualify; for example, subscription or app purchases.
Related: 5 reasons to get the Chase Ink Business Preferred Credit Card
Welcome bonus
Currently, the Ink Business Preferred Credit Card offers new applicants a sign-up bonus of 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. These 100,000 points are worth $2,050, according to TPG's January 2025 valuations, if you transfer them to airline and hotel program partners.
There are 11 airline and three hotel Chase Ultimate Rewards transfer partners, so you can snag many sweet spots when you utilize this redemption option.
One valuable transfer partner is World of Hyatt for redemptions at low-category or high-category properties. Another popular option is to transfer to Iberia to redeem for distance-based, nonstop flights between the U.S. and Madrid.
Finally, Air Canada Aeroplan is a solid transfer choice thanks to its region—and distance-based award chart and a plethora of partner airliners for which you can redeem miles.
Bottom line
The Ink Business Preferred Credit Card has a $95 annual fee and allows for accelerated earning in the Chase Ultimate Rewards landscape.
Now that you better understand the 3-points-per-dollar earning categories, you can use the Ink Business Preferred alone or add other cards that earn Chase Ultimate Rewards, like the Ink Business Cash® Credit Card (see rates and fees) and the Ink Business Unlimited® Credit Card (see rates and fees) to the mix to further maximize the points you earn.
To learn more about the card, read our full review of the Ink Business Preferred.
Learn more: Ink Business Preferred Credit Card
Related reading:
TPG featured card
at Bilt's secure site
Terms & restrictions apply. See rates & fees.
| 1X | Choose to earn up to 1X points on rent and mortgage payments with no transaction fee |
| 2X | Earn 2X points + the option to earn 4% back in Bilt Cash on everyday purchases |
Pros
- Choice to earn up to 1 Bilt Point per dollar spent on rent and mortgage payments
- Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
- $400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
- $200 Bilt Cash annually
- Priority Pass membership
- No foreign transaction fees
Cons
- Moderate annual fee
- Designed primarily for members seeking a premium, all-in-one card
- Earn points on housing with no transaction fee
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.
- 2X points on everyday spend
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
- Priority Pass ($469/year value). See Guide to Benefits.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.