What purchases qualify for 3 points per dollar with the Ink Business Preferred?
the Ink Business Preferred® Credit Card popular among small business owners because it earns money Ultimate Rewards Points are transferable in many common types of business expenses.
Currently, they are offering new subscribers a welcome bonus of 90,000 points after spending $8,000 on purchases in the first three months of opening an account.
Consider the types of purchases that earn reward points above Ink Business Preferred Credit Card and details about the sign-up bonus.
Bonus categories
With Ink Business Preferred Credit Cardyou will earn 3 Chase the ultimate bonus score Every dollar over the first $150,000 you spend in purchases combines each account anniversary year in the following categories:
- Tourism
- Purchase shipping
- Internet, cable and phone services
- Promote purchases with social media sites and search engines
If you spend $150,000 in these categories during your account anniversary year, you’ll earn 450,000 Ultimate Rewards points on purchases.
Based on January 2025 by TPG valuation belong to Chase the ultimate bonus score At 2.05 cents each, these points would be worth a whopping $9,225.
Even if you only price Ultimate Rewards Points at 1.25 cents the value you can get from Chase Travel Portal℠ (1.5 cents if you transfer your ultimate reward points arrive Reserve Chase Sapphire®), these points are still worth $5,625 for travel — giving you a minimum of 3.75% back on purchases.
Related: How to choose the right credit card for your business expenses
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Qualified Seller
You may be wondering exactly which merchants are included in the Ink Business Preferred’s 3 points per dollar bonus category. Luckily, Chase provides additional instructions on its website. Here are the definitions:
Tourism
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 as well as parking lots and garages.
Some merchants providing transportation and travel-related services are not included in this category, such as real estate agents, education merchants who arrange travel, and in-flight goods and services. flights, goods and services on cruise ships, sightseeing activities, excursions, tourists. attractions, RV and boat rentals, hotel and airport merchants, public campgrounds, and merchants renting vehicles for transportation purposes. Purchases from gift card merchants or merchants that sell points or miles are not eligible in the travel category.
Related: What purchases count as travel with the Chase Sapphire Preferred and Chase Sapphire Reserve?
Purchase shipping
Merchants in this category specialize in sending packages, shipping goods, and transporting goods or documents. Shipping merchants include delivery, postal and freight companies, courier services and letterbox stores.
Merchants who sell a variety of general merchandise but also ship items, including office supply stores that also mail packages, are not included in this category. Additional costs to ship your purchase or use a third party (such as Amazon) for bulk storage and shipping do not qualify. Sellers who 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 of Internet, cable, satellite TV and radio, cellular, wireless data and landline phone service are eligible.
Equipment purchase is not included. If you purchase or pay for internet, cable and satellite television, telephone or related services in a merchant’s store that the merchant does not classify in the applicable service category, such purchase or payment will not qualify; for example, paying a phone bill in a merchant’s store classified as a phone equipment store.
Promote purchases with social media sites and search engines
Sellers in this category include social media sites and online search engines that advertise businesses, brands, products or services.
Ad purchases not made directly from a social media site or online search engine seller may not be eligible; for example, advertising purchases are made through a third party, such as an advertising agency or web designer that provides related services. Additionally, purchases from social media sites or online search engines that are not intended for advertising are not eligible; for example, registering or purchasing an app.
Related: 5 Reasons to Get the Chase Ink Business Preferred Credit Card
Welcome bonus
Currently, Ink Business Preferred Credit Card offers new subscribers a sign-up bonus of 90,000 bonus points after spending $8,000 on purchases in the first three months of account opening. According to TPG’s January 2025 report, these 90,000 points are worth $1,845 valuationif you transfer them to airline and hotel program partners.
Have Eleven airlines and three hotels partner Chase Ultimate Rewards transfersso you can Grab lots of sweet spots when you use this redemption option.
A valuable transfer partner is World of Hyatt because exchange rewards at low level or high-end attributes. Another popular option is to switch to Iberia in exchange for direct flights, according to the distance between the US and Madrid.
Final, Air Canada aircraft is a solid transfer option thanks to award charts by region and distance and the plethora of partner airlines you can redeem miles for.
If you plan to use your points to book a trip through Chase Travel Portal℠ at 1.25 cents per point of value (1.5 cents if you transfer your ultimate reward points arrive Chase Sapphire Reserve®), the sign-up bonus is still worth $1,500 for travel.
Bottom line
the Ink Business Preferred Credit Card has a $95 annual fee and allows for faster earning within the Chase Ultimate Rewards landscape.
Now that you have a better understanding of the categories that earn 3 points per dollar, you can just use the Ink Business Preferred or add other cards to earn Chase Ultimate Rewardslike Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card combine to further maximize the points you earn.
To learn more about cards, keep reading Full review of Ink Business Preferred.
Register here: Ink Business Preferred Credit Card
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