Chase Ink Business Preferred

• The 100,000-point welcome bonus requires $8,000 in 3 months - that's roughly $2,667/month, which is a real number, so map out your actual business spend before you apply and make sure you can hit it with legitimate expenses rather than scrambling at month two.
• The 3x categories (travel, shipping, advertising, internet/phone/cable) all share ONE combined $150,000 annual cap - meaning if your shipping volume alone is substantial, it's eating from the same bucket as everything else, and once you hit the ceiling everything drops to 1x, so model your category mix before you assume the earn rate holds all year.
• The 5x on Lyft is 2 additional points stacked on top of the 3x travel earn, and it runs through 9/30/2027 - useful if Lyft is a real line item in your business travel, less useful if it's a once-a-quarter airport ride, and the clock on that promo rate is ticking either way.
• The DashPass credit is $10/month on grocery and retail DoorDash orders (not restaurant delivery) - it requires activation and runs through December 31, 2027, so if you apply and ignore the activation step, you're leaving money on a table you didn't even know was set.
• Points transfer to airline and hotel partners at 1:1 - this is the detail that separates the Ink Preferred from the no-annual-fee Ink cards in the same ecosystem, and it's the reason a 100,000-point bonus here can be worth meaningfully more than face value if you have a redemption target in mind before those points land.
• NO foreign transaction fees - clean and simple, this card travels, which matters for a business card that might follow you to client meetings or conferences outside the U.S.
• Points do not expire while the account is open, but only closure for misuse or fraud forfeits them - a normal product change or downgrade does not wipe your balance, product-change, or consolidate cards in your Chase lineup, because there's no grace period once the account goes dark.

The Chase Ink Business Preferred is a workhorse for small-business owners who spend heavily on travel, shipping, advertising, and internet/phone/cable — earn 3X on up to $150K annually in those categories, plus a juicy 100K-point welcome bonus for a mere $95/year. Toss in no foreign transaction fees and 1:1 transfer partners, and this is the rare business card that punches well above its modest annual fee.