📌 At a Glance: Top Travel Perks
- No foreign transaction fees
- 3x Ultimate Rewards on travel, shipping, internet/cable/phone, and advertising (up to $150,000/year combined)
- Trip cancellation/interruption up to $5,000 per trip
- Primary rental car insurance for business rentals
- Cell phone protection up to $1,000 per claim
- Points worth 25% more when redeemed through Chase Travel portal (1.25 cents each)
- 1:1 transfer to 14 airline and hotel partners
- Points combine with other Chase Ultimate Rewards cards
Travel Benefits Breakdown
Here's exactly what you get — and what you don't — when you use the Ink Business Preferred Credit Card for travel.
✈️ Lounge Access
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
🛂 Global Entry / TSA PreCheck Credit
No Global Entry or TSA PreCheck credit on this card.
⏱️ Trip Delay Insurance
Not included on this card. If your flight is delayed, you'll pay out of pocket for meals and hotels.
🚫 Trip Cancellation & Interruption
Reimburses up to $5,000/person (max $5,000/trip) if you must cancel or cut short your trip.
Covered reasons: illness, severe weather, accidental injury, jury duty, change in military orders
Trip cancellation/interruption insurance up to $5,000 per person, $5,000 per trip. Must purchase common carrier tickets with the card.
🧳 Baggage Insurance
No lost or delayed baggage coverage on this card. Airline compensation is your main recourse.
🏥 Emergency Medical & Evacuation
Travel and Emergency Assistance Services available (referral service only; does not cover costs).
🚗 Rental Car Insurance
✅ Primary coverage — this means you do NOT need to file with your personal auto insurance first. You can decline the collision damage waiver (CDW) at the counter and save $10–30/day.
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Worldwide
Primary auto rental collision damage waiver for business rentals. Must decline the rental company's CDW.
🌍 Foreign Transaction Fees
✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
💰 Annual Credits & Perks
- Cell Phone Protection: $1000/year — Up to $1,000 per claim (3 claims per 12-month period) against theft or damage when you pay your monthly cell phone bill with the card. $100 deductible per claim.
Rewards Structure
1x Ultimate Rewards points per $1 on all other purchases
Base rate on all purchases
3x on the first $150,000 spent in combined purchases on travel, shipping, internet/cable/phone services, and advertising purchases made with social media and search engines each account anniversary year; then 1x
Travel purchases
3x on travel (airfare, hotels, car rentals, taxis, transit, etc.)
3x on internet, cable, and phone services
3x on advertising purchases with social media sites and search engines
All 3x categories combined cap: $150,000/year
Point / Mile Values
- Cash back / statement credit: ~1¢ per point
- Travel portal redemption: ~1¢ per point
- Transfer partners: 1:1 transfer to Chase's 14 airline and hotel partners (United MileagePlus, World of Hyatt, Southwest Rapid Rewards, British Airways Avios, Singapore KrisFlyer, Air France/KLM Flying Blue, etc.).
Pros & Cons for Travelers
👍 Pros
- ✅ No foreign transaction fees — safe to use internationally
- ✅ Primary rental car insurance — skip the CDW at the counter
- ✅ Trip cancellation coverage (up to $5,000/person)
- ✅ Low annual fee ($95) relative to benefits
👎 Cons
- ❌ No airport lounge access
- ❌ No trip delay insurance
- ❌ No Global Entry or TSA PreCheck credit
- ❌ No emergency medical evacuation coverage
🎯 Who Is This Card Best For?
Small business owners who spend heavily on travel, shipping, advertising, and telecom services and want to maximize Chase Ultimate Rewards transfers
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