Ink Business Preferred Credit Card Review

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The Chase Ink Business Preferred card offers 1 of the most lucrative signup bonuses and up to 3x points on purchases. Get the details in this Forbes exclusive review

As an example, we’ve found United miles to have a value of 2 cents. The actual value will vary based on the cost of the flight you want to book and the number of miles required for the award ticket. It’s always best to look both of these things up before you transfer your points and make sure that you’re getting a better deal compared with redeeming you points through Chase Ultimate Rewards.

If you are able to find an award available where your points are worth 2 cents each, the 3x rewards rate is essentially a 6% return on your spending in those categories. Your mileage may vary .The rewards potential for the Chase Ink Business credit card will be entirely dependent on how you use the card and whether the business expenses you put on the card cross the $150,000 threshold.

The card is best suited for those businesses with significant travel expenses, online advertising budgets, or both. For our purposes, we’ll assume the following:A business spends $5,000 a month on all other categories earning 1 point per dollar spent80,000 bonus pointsIn this example, the first-year point total would be 590,000 Ultimate Rewards points earned.

Of course, not every business spends $12,500 a month on travel and online advertising. A small business spending even half that, however, would still generate annual rewards potentially worth thousands of dollars.Cell phone protection : When you use the Ink Business Preferred credit card to pay your cell phone bill, you are covered up to $600 per claim for covered theft or damage to the phone. This coverage extends to employees listed on your monthly cell phone bill.

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