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Compare the Features and Benefits of Chase Ink Business Preferred® Credit Card and
United℠ Business Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Primary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Trip Protections
Does Not Report Credit Line to Personal Credit Profile
No Foreign Transaction Fees
No Fees for Authorized Users
Earns Transferable Points
Cell Phone Protection
Roadside Assistance
Unique Card Benefits
Airport Lounge Access
Free Checked Bags
Priority Boarding
Concierge Services
Free Access to Credit Score
Annual Fee
$95
Avg. Min. Credit Score
670-850
Ongoing APR
21.24%-26.24% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Lyft
3x Airfare

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Transit

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Car Rentals

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Cellular Phone Service

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Hotels

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Advertising on Search Engines and Social Media

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Shipping

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Cable / Internet / VOIP Phone

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Cruises

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.63) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Chase Ink Business Preferred credit card is a staple credit card for any business owner than understands the power of Chase Ultimate Rewards, one of my favorite rewards currencies (See the feature entitled “Earns Transferable Points” above for more on why.)

The Ink Preferred has two distinctions among the Chase Ink business credit card lineup with also includes the Chase Ink Business Unlimited® and Chase Ink Business Cash®.

1) While those cards have no annual fee, they also do not have the power, on their own, to transfer points to Chase’s airline and hotel partners – and that is where you get the most value. The Chase Ink Preferred, with its small annual fee, gives it the distinction of being able to transfer the points to partners like World of Hyatt.

So, for instance, you can earn 5X on office supply stores with the Ink Cash and 1.5X on spend categories that don’t otherwise have a bonus multiplier and then combine them all to your Chase Ink Preferred. In addition to being able to transfer to air and hotel partner programs, you also have the option to simply book travel on the Chase Travel site with each point worth 1.25 cents. Comparatively, the Ink Cash and Ink Unlimited would have points worth just 1 cent there – unless you also had an Ink Preferred to combine the points to.

2) The Ink Business Preferred has the highest bonus offer of any card, with 100,000 bonus points on offer when you meet the minimum spend in the allotted time from account opening. (See current offer above in “Key Facts.”)

But beyond that, the Chase Ink Business Preferred is a super powerful credit card for small business owners that spend a lot on select business categories like travel, internet, cable, and phone services, search engines/social media and shipping purchases, where you will earn 3X Ultimate Rewards points per dollar spent – up to a combined maximum of $150,000 per year. (You would earn 1 point per dollar over that limit.)

phone protection chase ink business preferred credit card

That’s some amazing earning power! If you max that out in a year, you are earning 600,000 points which we would value (at 1.75 cents a point) as worth over $10,000 in rewards value. Like I said – it’s a powerhouse of a card all on its own!

Even if you had no interest in travel and treated these points as cash back (which I certainly don’t think is the best way to use these points!), you are still earning 3% cash back on this spend.

And then there’s the benefits. This card absolutely rocks the benefits.

My favorite benefit is its included primary rental car insurance when you book for business purposes, put the entire rental cost on your Ink card and decline the rental company’s collision insurance. That means that you can decline the expensive collision insurance that your rental car company offers and, if there is damage or theft, Chase’s insurance will cover you on most rentals without involving your personal insurance. That could save you on future premiums.

Note: The list of credit cards that offer primary rental car insurance is extremely limited, so take advantage of this one.

But that’s far from the only benefit worth mentioning. Other notable card benefits include:

  • Trip cancellation/interruption insurance, up to $5,000, for non-refundable passenger fares, hotels and tours.
  • Up to $1,000 per incident for cell phone protection. The insurance covers you and your listed employees on the cell phone bill, when you pay your monthly cell phone bill with your Chase Ink Business card. You can make up to 3 claims per year with a $100 deductible.
  • Extended warranty. For a manufacturer’s warranty of 3 years or less, Chase will add an additional year.
  • Purchase Protection. Chase covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • No foreign transaction fees. Feel free to pay for goods abroad with the Chase Ink Business Preferred card and you won’t have to worry about foreign transaction fees.
  • Of course, it comes with expected fraud protection and real time fraud monitoring with zero liability for you if you are a victim of fraud.

Note: You will only be approved for a Chase business credit card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business credit cards do not count against the total, except for Capital One and Discover, but are subject to the policy).

Lastly, you will only be approved for (at most) one Chase business card every 30 days so please do not apply for two at once.

If you have applied for a Chase credit card and don’t get an instant approval, you may want to phone the Chase reconsideration line.

Read more
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Earns Transferable Points
yes
Cell Phone Protection
yes
Roadside Assistance
yes
Unique Card Benefits
no
Airport Lounge Access
no
Free Checked Bags
no
Priority Boarding
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $99
Avg. Min. Credit Score
670-850
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare
2x Transit
2x Gas Stations
2x Dining Out / Food Delivery
2x Office Supplies
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.03) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first. Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.


The annual fee is waived for the first year, but will cost $99 every year thereafter. Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $100 United credit after purchasing seven United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.

Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn up to 1,000 Premier Qualifying Points every year. Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 1,000 PQPs per year.

If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.

We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.

Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders. Currently, cardholders can register for one year complimentary DashPass benefits from DoorDash. This perk gets you unlimited deliveries on orders of $12 or greater with no delivery fee and lower service fees overall.

Read more
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Earns Transferable Points
no
Cell Phone Protection
no
Roadside Assistance
no
Unique Card Benefits
yes
Airport Lounge Access
yes
Free Checked Bags
yes
Priority Boarding
yes
Concierge Services
yes
Free Access to Credit Score
yes

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