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Chase Ink Preferred Guide

📊4 community entries

Airbnb

USA

Travel

Date

2026-01-19

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD300%

Rewards

300 Cash

Google Fi

USA

Phone Plans

Date

2025-04-11

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% (With Bonus Earning)

Rewards

3 Cash

EZPass Virginia

USA

Travel

Date

2025-04-11

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% (With Bonus Earning)

Rewards

3 Cash

Award Wallet

USA

Travel

Date

2025-04-11

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% (With Bonus Earning)

Rewards

3 Cash

Quick Rewards Guide for Chase Ink Preferred

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

🚀 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 Airbnb, Google Fi, EZPass Virginia, Award Wallet. 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 Preferred for?

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

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.