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 Editorial Team · Media buyer research desk
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.