Ink Business Preferred® Credit Card
$95 transferable Ultimate Rewards business card — 3x on travel, shipping, ads, and comms up to $150k/year
Business Advantage Unlimited Cash Rewards
$0-fee uncapped 1.5% business cash-back; up to 2.62% flat with Preferred Rewards for Business Platinum Honors
Costs & Pricing
| Metric | Ink Business Preferred® Credit Card | Business Advantage Unlimited Cash Rewards |
|---|---|---|
| Annual fee | $95 (no first-year waiver published) | $0 |
| Employee card fee | $0 | $0 (no published cap on number) |
| Purchase APR | 17.74%–26.74% variable (Prime + 10.99% to +19.99%; max 29.99%) | 16.74%–26.74% variable after intro (creditworthiness-based) |
| Intro APR (purchases) | Not offered | 0% for 7 billing cycles, then 16.74%–26.74% variable |
| Foreign transaction fee | $0 | 3% |
| Late payment fee | $40 | Not disclosed on public product pages |
Rewards & Value
| Metric | Ink Business Preferred® Credit Card | Business Advantage Unlimited Cash Rewards |
|---|---|---|
| Base earn rate | 1 Ultimate Rewards point per $1 on all other purchases (uncapped) | 1.50% unlimited on all Net Purchases (no category cap) |
| Welcome bonus | 100,000 Ultimate Rewards points after $8,000 purchases in first 3 months (posts 6–8 weeks after qualifying) | $500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026) |
| Redemption value | 1¢/point cash (RPA contractual floor); Chase Travel marketed at 1.25¢; transfers at partner ratios | 1¢ per 1% (cash is cash). No travel portal, no transfer partners. |
| Transfer partners | Native transfers (airlines 1:1; IHG, Marriott, Wyndham 1:1). World of Hyatt 1:1 through 9/30/2026, then 4:3 from 10/01/2026 (1,000 UR → 750 Hyatt). Unlocks transfers for Ink Cash/Unlimited points moved onto this card. | None |
Credit & Eligibility
| Metric | Ink Business Preferred® Credit Card | Business Advantage Unlimited Cash Rewards |
|---|---|---|
| Personal guarantee | Required — authorizing officer liable individually and jointly with the business for all balances | Required in substance — cards are backed by personal credit |
| Credit check | Hard pull on the authorizing officer (standard Chase practice) | Hard personal pull on applying owner/authorized officer |
| Employee cards | Free; number not capped in public copy; individual spend limits and real-time tracking | Free; no published numeric cap; employee-transaction monitoring |
| Product type | Revolving business credit card | Revolving small-business credit card |
Pros & Cons
Ink Business Preferred® Credit Card
Pros
- 100,000 UR / $8,000 / 3-month welcome bonus; authorized-user spend counts
- 3x on shipping, direct social/search ads, comms, and travel up to $150k per anniversary year
- Native Ultimate Rewards transfers; unlocks transfers for Ink Cash/Unlimited points
- $0 foreign-transaction fee and $0 employee cards
- Cell-phone protection plus purchase protection and primary business rental CDW
Cons
- $95 annual fee with no Global Entry, lounge, or travel statement credit
- No intro 0% APR — poor working-capital tool if a balance will be carried
- Personal guarantee + hard pull + unofficial 5/24 gate
- Advertising 3x is narrow (direct platform MCCs, not agencies); office supplies are not 3x
- Hyatt transfers drop to 4:3 on October 1, 2026; bonus likely unavailable if you ever held this card
Business Advantage Unlimited Cash Rewards
Pros
- $0 annual fee and $0 employee-card fees
- Uncapped 1.5% on all Net Purchases; PRFB can take it to 1.87%/2.25%/2.62%
- Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
- No category tracking, no $50k bonus cap
- In good standing, issuer says the card stays off personal credit reports
Cons
- 3% foreign-transaction fee
- 2.62% requires business checking and $100k combined BofA/Merrill balances
- Personal-credit underwriting and personal liability
- Intro APR is short and purchases-only; 5% BT fee with no 0% BT
- No transfer partners, lounge, or TSA credits; 1.5% trails 2% flats without PRFB
Verdict
Ink Business Preferred® Credit Card
Ink Business Preferred is the transfer keystone of the Ink family — 3x on the spend categories many operators actually have, $0 FTF, and a 100k welcome bonus, all at $95. Pair it with Ink Cash or Unlimited if you want the rest of spend at cash-back rates with transferable points parked here. Skip it if you need 0% capital, no personal guarantee, lounges, or simple uncapped cash back.
Business Advantage Unlimited Cash Rewards
Unlimited is the simple SKU in the Business Advantage cash pair — 1.5% with no cap, or up to 2.62% if Preferred Rewards for Business Platinum Honors is real for you. It is not Customized (3%/2%/1% with a $50k cap). Without PRFB it is a fine no-fee 1.5% card that loses to Ink Unlimited's bonus and Spark Select's longer 0% window. With PRFB it becomes one of the better uncapped cash rates in the set. Skip it for foreign spend or no-PG underwriting.