Chase Ink Business Preferred for Facebook Ads: Full Review
The Chase Ink Business Preferred is the most-recommended business credit card on the internet, and for good reason: a $95 fee, a 90,000-point welcome bonus (typical), and a 3x category that explicitly includes advertising on social media and search engines. For Facebook media buyers, it's the easiest first business card to justify.
By Marcus Rivera · Award Travel Analyst & Points Valuation Editor
Published May 15, 2026 · 7 min read · How we review
The 3x ad spend category, in plain English
Chase pays 3 Ultimate Rewards points per dollar on the first $150,000 spent per cardmember year on a combined bucket that includes: travel, shipping, internet/cable/phone, and 'advertising purchases made with social media sites and search engines.' Meta (Facebook + Instagram), TikTok, and Google Ads all qualify. Above $150K, the rate drops to 1x — which is when most agencies add a second Ink card on a separate EIN or stack with Amex Gold.
Ultimate Rewards transfer partners
Fourteen partners. The headliners for value: Hyatt (1.7 cents/point, frequently the highest-value redemption in points-and-miles), United (good domestic availability), Air Canada Aeroplan (incredible Star Alliance pricing), Virgin Atlantic (sweet spot to ANA First), and Southwest (Companion Pass enabler).
Welcome bonus economics
The typical Chase Ink Preferred bonus is 90,000–100,000 UR points after $8,000 in spend in 3 months. At 2 cents/point of transfer value, that's $1,800–$2,000 — roughly 19x the annual fee, just for spending what most agencies push through Meta in two weeks.
5/24 rule and approval odds
Chase's unofficial 5/24 rule: if you've opened 5 or more personal credit cards in the past 24 months across any issuer, Chase will deny new applications. Business cards from most issuers (including Chase Ink) don't count toward 5/24 but are subject to it. Plan your applications accordingly.
Limit and approval reality
Typical starting limits run $5K–$20K. Chase pulls Experian or Equifax depending on state. Approval usually requires 700+ personal FICO and demonstrated business revenue, though sole-prop applications with EIN = SSN are routinely approved.
Takeaway
If you've never carried a business credit card and you're running any meaningful Facebook ad spend, the Chase Ink Business Preferred is the right first card. Welcome bonus alone justifies it 20x over.
Frequently asked questions
What's the maximum Ultimate Rewards I can earn on Facebook ads with the Chase Ink Preferred?
The card earns 3x UR on the first $150,000 of combined qualifying category spend per cardmember year — that's a hard cap of 450,000 points/year from the 3x bonus. Beyond $150K, you earn 1x. For Meta-heavy spenders, this cap is the main reason to add a second Ink (Cash or Unlimited).
Does the Chase Ink Preferred earn 3x on TikTok and Google ads too?
Yes. The 'online advertising on social media platforms and search engines' category covers Meta, Google Ads, TikTok for Business, Microsoft Ads, LinkedIn Ads, X (Twitter) Ads, Pinterest, and Snap — all standard self-serve ad platforms qualify.
Can I apply for the Ink Preferred if I'm at Chase 5/24?
No. Chase enforces the 5/24 rule on Ink applications (5 or more new personal cards in 24 months = automatic denial). Business cards from Chase don't count against your own 5/24, but personal cards from all issuers do. Check your status before applying.
How do I prove I have a 'business' to qualify for the Ink Preferred?
A sole proprietorship using your SSN as the tax ID qualifies — freelance income, side gigs, eBay sales, and consulting all count. You don't need an EIN or LLC. Just be honest about revenue and time in business on the application.
Is the Chase Ink Preferred still worth it after the 5/24 cooldown?
Yes, especially if you transfer points to Hyatt (the best UR partner at 1.7+ cpp) or use the 25% Pay Yourself Back bonus on the Sapphire Reserve. The $95 fee is the lowest of any 3x ads card, making it a permanent keeper card even after the bonus is gone.
About the author
Marcus has been writing about credit card rewards since 2014, with bylines at The Points Guy, Doctor of Credit, and AwardWallet. He specializes in transferable points valuation — building the per-point benchmarks that drive every recommendation on this site. He's redeemed over 8.5 million points across Amex Membership Rewards, Chase Ultimate Rewards, Capital One Miles, and Citi ThankYou, including 14 international first-class redemptions on ANA, Singapore, and Air France. On the business side, Marcus has applied for and held 30+ small-business cards over the past decade and tracks issuer rules (Chase 5/24, Amex once-per-lifetime, Capital One velocity) for every recommendation we make.