The Ink Business Preferred earns 3 points per dollar on travel, shipping, internet, cable, and phone services, and search engine and social media advertising, on up to $150,000 in combined spend per year, a cap generous enough to cover most small businesses. The signup bonus is 100,000 points after $8,000 in spend over three months. For a $95 annual fee you also get practical protections: cell phone coverage up to $1,000 per claim when you pay your phone bill with the card, and primary rental car coverage when renting for business. The catch is that everything outside those categories earns just 1 point per dollar, so it pays off only if a meaningful share of your spend falls into the 3x buckets. There's no foreign transaction fee, and the DashPass membership and 5x on Lyft rides through September 2027 are minor extras.
Earn rates & credits
| Category | Rate |
|---|---|
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5x |
Travel Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined $150,000/yr cap) on first $150,000/yr, then 1x | 3x |
Shipping Shipping purchases (combined $150,000/yr cap with travel, internet/cable/phone, and advertising) on first $150,000/yr, then 1x | 3x |
TV, Internet & Streaming Services Internet and cable services (combined $150,000/yr cap with travel, shipping, phone, and advertising) on first $150,000/yr, then 1x | 3x |
Phone Services Phone services (combined $150,000/yr cap with travel, shipping, internet/cable, and advertising) on first $150,000/yr, then 1x | 3x |
Everything Else | 1x |
Card details
Regular APR | 17.74%–26.74% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Ink Business PreferredBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.