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Chase Ink Business Preferred Guide

2 data points

Taobao

USA

Telecommunication Services

Date

2026-03-24

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

20 USD3X

Rewards

60 Ultimate Rewards Points

Airbnb

USA

Travel

Date

2026-01-20fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1qhnyd0/which_card_has_the_highest_rewards_for_airbnb/o0la8d5/ - Chase classifies Airbnb as Travel (3x on Ink Preferred).Read more

Quick Rewards Guide for Chase Ink Business Preferred

💡 Primary Spending Category: The community most frequently reports using the Chase Ink Business Preferred for "Telecommunication Services" transactions as well as for "Travel".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 3X Ultimate Rewards points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Taobao, Airbnb. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Ink Business Preferred for?

Based on verified community transactions, the Chase Ink Business Preferred yields the best return when used for "Telecommunication Services" transactions, followed closely by "Travel".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.