Best Business Credit Cards for Travel 2026

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As of October 20, 2026, businesses can pick from credit cards that reward travel and related spending with transferable points or miles. Annual fees on the main options run from $95 on the Ink Business Preferred to $895 on the Amex Business Platinum, with no-fee cards available for pairing. Earn rates differ by card and category: the Ink Business Preferred returns 3x points on the first $150,000 in combined travel, shipping, internet/cable/phone and advertising spend each anniversary year, the Amex Business Platinum pays 5x Membership Rewards on flights and prepaid hotels booked through Amex Travel, and the Capital One Venture X Business gives unlimited 2x miles on every purchase. Welcome offers reach as high as 300,000 Membership Rewards points on the Amex Business Platinum after $20,000 in purchases in the first three months. Transfer partners and statement credits often determine which card fits a particular travel pattern.

A practical comparison starts with how much the business spends on travel, advertising, shipping or everyday categories. Higher annual fees can be offset by lounge access and credits when the traveler uses them regularly. Lower-fee cards keep more of the rewards for moderate spend. Points generally do not expire while the account stays open, which supports long-term planning. See how these cards stack up in the table below, or use the credit card comparison tool for side-by-side numbers.

The right choice also depends on transfer partners. Chase Ultimate Rewards from the Ink Business Preferred and Sapphire Reserve for Business move to airline and hotel programs. Amex Membership Rewards from the Business Platinum and Business Gold transfer to about 20 partners. Capital One miles from the Venture X Business go to multiple airline and hotel partners including Aeroplan, British Airways Club, Choice Privileges and Wyndham Rewards. A business that already values one currency can favor the matching issuer. Credits further change the net cost: the Amex Business Platinum lists major credits that can unlock over $4,000 in value, while the Sapphire Reserve for Business offers $3,000+ in annual value through its credits and benefits.

Our own free tracker, RewardTracker.io, lets you track two cards free; a one-time $10 unlock adds the rest of the catalog on that account.

At a Glance: Top Business Travel Cards

The table shows the core trade-offs. A business spending $50,000 a year on the Ink Business Preferred's 3x categories earns 150,000 points from that spend alone (50,000 × 3). The same $50,000 on the Venture X Business earns 100,000 miles (50,000 × 2). The difference grows with higher category spend, but the Amex and Chase premium cards add lounge visits and statement credits that the lower-fee options do not include. No-fee cards such as the Ink Business Cash and Ink Business Unlimited can pair with a transferable card to fill gaps in everyday earning. For a deeper look at how the points systems work across issuers, the next section covers the currencies and transfer options.

How Business Travel Points Work

Business travel cards earn points or miles that can transfer to airline and hotel partners. The Ink Business Preferred and Sapphire Reserve for Business earn Chase Ultimate Rewards points. These points transfer to airline and hotel partners, with the Hyatt transfer ratio for the Ink Business Preferred set at 4:3 starting October 1, 2026. Amex Business Platinum and Amex Business Gold earn Membership Rewards points that transfer to about 20 partners. The Capital One Venture X Business earns Capital One miles that transfer to multiple partners, including Air Canada Aeroplan, British Airways Club, Choice Privileges and Wyndham Rewards.

Points do not expire while the account remains open. That rule applies to Chase Ultimate Rewards and to Amex Membership Rewards. A business can therefore accumulate balances over multiple trips without watching a clock. Transferring points usually happens at a fixed ratio, such as 1:1 to most airline partners, though the Hyatt ratio noted above is an exception. Once transferred, the points become miles or hotel points in the partner program and follow that program's rules for expiration and redemption.

Earning happens at the card's stated rates. On the Ink Business Preferred, the 3x rate applies to the first $150,000 in combined purchases each account anniversary year in travel, shipping, internet/cable/phone and social media or search engine advertising; after that the rate drops to 1x. The Amex Business Platinum pays 5x on flights and prepaid hotels booked through Amex Travel and 2x on certain business categories or single purchases of $5,000 or more, up to $2 million per calendar year. The Venture X Business pays unlimited 2x miles on every purchase, with higher rates of 10x on hotels and rental cars and 5x on flights booked through Capital One Business Travel.

A worked example shows the difference. Suppose a business spends $20,000 on travel that qualifies for the Ink Business Preferred's 3x rate. That spend earns 60,000 Ultimate Rewards points (20,000 × 3). The same $20,000 on the Venture X Business earns 40,000 miles (20,000 × 2). If the business instead books the travel through Amex Travel on the Business Platinum, the 5x rate produces 100,000 Membership Rewards points (20,000 × 5). The higher rate can offset a higher annual fee when the traveler already books through the portal. Transfer value then depends on the specific partner award the traveler redeems, which is why matching the card's currency to preferred partners matters.

Credits and lounge access sit alongside the points. They do not replace the earn rate but can reduce the net cost of holding the card. The next sections examine each major card's rates, welcome offer and key benefits in detail so the comparison can move from the overview table to specific use cases.

Ink Business Preferred

Best for: moderate travel, shipping and advertising spend with a $95 fee.

Earn Rates

The Ink Business Preferred carries a $95 annual fee. It earns 3x Ultimate Rewards points on the first $150,000 in combined purchases each account anniversary year in travel, shipping, internet/cable/phone and social media or search engine advertising. After the $150,000 threshold the rate becomes 1x, and other purchases also earn 1x. There are no foreign transaction fees. A business that spends $100,000 in the 3x categories earns 300,000 points from that spend (100,000 × 3). Adding another $50,000 in the same categories still earns the 3x rate for a total of 450,000 points on $150,000 (150,000 × 3). Spend beyond that earns only 1x.

Welcome Offer

The welcome offer is 100,000 bonus points after $8,000 in purchases in the first 3 months. The bonus may not be available if the card has ever been held. The points are Chase Ultimate Rewards. For a business that can meet the spend requirement through normal operations, the 100,000 points represent a large initial balance that can transfer to partners.

Key Benefits

Employee cards are available, and the card pairs with no-fee Ink cards that also earn Ultimate Rewards. Transfer partners include airlines and hotels; starting October 1, 2026, Ultimate Rewards points transfer to World of Hyatt at a 4:3 ratio. A traveler who values Hyatt awards can calculate the effective rate under the new ratio. Because the annual fee is only $95, the break-even point is lower than on premium cards. A single transfer of 30,000 points to a partner that delivers $300 or more in travel value covers the $95 fee about three times. The card therefore suits businesses with moderate but consistent spend in the 3x categories who want transferable points without a high annual fee. For a full comparison of the $95 fee against other options, see whether the Ink Business Preferred annual fee is worth it.

Compared with the Sapphire Reserve for Business, the Ink Preferred gives up the 8x Chase Travel and 4x direct-booking rates in exchange for a much lower fee, and it earns the same Ultimate Rewards currency. Businesses that spend heavily on Chase Travel may prefer the Sapphire Reserve, while those whose travel, shipping and advertising stay under the $150,000 cap often find the Ink Preferred sufficient. The no-fee Ink Business Cash and Ink Business Unlimited can be added later to capture additional Ultimate Rewards on office supplies, gas or everyday purchases that do not qualify for the 3x rate.

Amex Business Platinum

Best for: frequent flyers who use lounges and credits.

Earn Rates

The Amex Business Platinum has an $895 annual fee. It earns 5x Membership Rewards points on flights and prepaid hotels booked through Amex Travel. It also earns 2x on eligible business categories such as construction materials and hardware, electronic goods, software and cloud, or shipping, and on single purchases of $5,000 or more, up to $2 million per calendar year. Other purchases earn 1x. There is no preset spending limit. A business that books $30,000 in flights and prepaid hotels through Amex Travel earns 150,000 points (30,000 × 5). The same amount spent outside Amex Travel would earn only 30,000 points at 1x, so the portal rate is the main driver of high earning.

Credits and Lounges

Lounge access comes through the Global Lounge Collection, which includes Centurion Lounges, Priority Pass Select and limited Delta Sky Club visits. Major credits include up to $600 in hotel credit (semi-annual $300 via Amex Travel Fine Hotels + Resorts or The Hotel Collection), up to $200 in airline fee credit, up to $209 CLEAR credit, a Global Entry or TSA PreCheck credit, and various business credits for Dell, Adobe, Indeed, wireless, ChatGPT and Hilton. These credits can unlock over $4,000 in value when used. Enrollment is required for some credits. A traveler who uses the hotel credit, airline fee credit and CLEAR credit already recovers more than $1,000 toward the annual fee before counting lounge visits or the Dell and other business credits.

Welcome Offer

The welcome offer is as high as 300,000 Membership Rewards points after $20,000 in purchases in the first 3 months. Offers vary and eligibility is not guaranteed. The points are Membership Rewards, which transfer to about 20 partners. Meeting the $20,000 spend in three months requires substantial business activity; a company that already has that volume can treat the offer as an accelerated way to build a large transferable balance. Because the annual fee is high, the combination of the welcome offer, the 5x portal rate and the credits determines whether the card produces a positive return in the first year. Businesses that rarely book through Amex Travel or that do not use the lounges and credits will find the fee harder to justify. For a side-by-side look at the personal and business versions, see the Amex Platinum versus Business Platinum comparison.

Is the offer worth it? See our Amex Business Platinum review.

Amex Business Gold

Best for: shifting monthly category spend.

Category Earn

The Amex Business Gold has a $375 annual fee. It earns 4x Membership Rewards points on the top two eligible categories each billing cycle. The eligible categories are U.S. media advertising, U.S. electronic goods/software/cloud, U.S. restaurants, U.S. gas stations, transit and U.S. wireless phone. The 4x rate applies to the first $150,000 combined in those categories per calendar year, then drops to 1x. It also earns 3x on flights and prepaid hotels booked through Amex Travel. Other purchases earn 1x. A business whose top two categories total $80,000 earns 320,000 points on that spend (80,000 × 4). The automatic selection of the top two categories each cycle reduces the need to track multiple cards for category bonuses.

Credits

Credits include up to $240 in flexible business credit ($20 per month at Grubhub, office supplies and UPS.com), up to $300 ChatGPT Business, up to $150 Squarespace and up to $155 Walmart+. These credits can offset a large portion of the annual fee when the business already spends in those areas. Enrollment is required for the credits. A company that uses the full $240 flexible credit and the ChatGPT credit recovers more than the $375 fee before counting any points earned.

Welcome Offer

The welcome offer is as high as 200,000 Membership Rewards points after $15,000 in purchases in the first 3 months. Offers vary. The points are Membership Rewards and transfer to the same partner set as the Business Platinum. Compared with the Business Platinum, the Gold card has a lower fee and more flexible category earning outside of travel portals. It suits businesses with strong spend in the listed categories who want Membership Rewards without the Platinum's higher fee and lounge focus. See how the two Amex business cards differ in the Amex Business Gold versus Business Platinum guide.

Because the top-two-category mechanic resets each billing cycle, a business with fluctuating spend can still capture 4x on whatever categories rank highest that month. The $150,000 annual cap on the 4x categories is high enough for most small and mid-size businesses. Once the cap is reached, additional category spend earns 1x, so pairing the Gold card with a flat-rate card for overflow can be useful.

Sapphire Reserve for Business

Best for: heavy Chase Travel bookers.

High Earn Rates

The Sapphire Reserve for Business has a $795 annual fee. It earns 8x Ultimate Rewards points on purchases through Chase Travel, including The Edit. It earns 4x on flights and hotels booked direct, 3x on social media and search engine advertising (up to $1 million each anniversary year starting November 15, 2026), and 5x total on Lyft through September 30, 2027. Other purchases earn 1x. Employee cards cost $0. A business that spends $25,000 through Chase Travel earns 200,000 points (25,000 × 8). The same amount booked direct earns 100,000 points (25,000 × 4). The portal rate is therefore the highest on the card.

Credits and Lounges

Lounge access includes Chase Sapphire Lounges and Priority Pass, with up to two guests for the primary cardholder. Credits include a $300 annual travel credit, $250 for select Chase Travel hotels through December 31, 2026, $500 for The Edit (rising to $1,000 from January 1, 2027), a $120 Global Entry/TSA/NEXUS credit, and business credits for Google Workspace, ZipRecruiter, Lyft, DoorDash and gift cards. These benefits can deliver $3,000 or more in annual value. A traveler who uses the $300 travel credit, the The Edit credit and lounge access recovers a substantial share of the $795 fee before counting points.

Welcome Offer

The welcome offer is 200,000 points after $30,000 in purchases in the first 6 months. The points are Ultimate Rewards and transfer to airline and hotel partners. The six-month window and $30,000 threshold fit businesses with steady high spend. Compared with the Ink Business Preferred, the Sapphire Reserve offers higher rates on Chase Travel and direct bookings plus lounge access, at a much higher fee. Businesses that book most travel through Chase Travel and value the lounges and credits will find the higher fee easier to justify. For a direct comparison of the two Chase business cards, see the Ink Preferred versus Sapphire Reserve analysis.

The advertising 3x rate up to $1 million gives additional earning for companies that run paid search or social campaigns. Combined with the no-fee Ink cards that also earn Ultimate Rewards, the Sapphire Reserve can sit at the top of a Chase stack that covers both premium travel and everyday categories.

Capital One Venture X Business

Best for: flat 2x plus portal bonuses.

Earn Rates

The Capital One Venture X Business has a $395 annual fee. It earns unlimited 2x miles on every purchase. Through Capital One Business Travel it earns 10x on hotels and rental cars and 5x on flights. There are no foreign transaction fees. A business that puts $40,000 of everyday spend on the card earns 80,000 miles (40,000 × 2). Adding $10,000 in hotels booked through the Capital One portal earns another 100,000 miles (10,000 × 10), for a combined 180,000 miles. The flat 2x rate simplifies tracking because every dollar earns at least that amount regardless of category.

Credits and Lounges

The card includes a $300 annual travel credit for bookings through Capital One Business Travel plus 10,000 anniversary miles. Lounge access covers Capital One Lounges and Priority Pass. These benefits reduce the net cost of the $395 fee for travelers who book through the portal and use lounges. The $300 credit alone covers most of the annual fee; the anniversary miles and lounge access add further value.

Welcome Offer

The welcome offer is two-tier: earn 150,000 bonus miles when you spend $40,000, plus another 150,000 miles when you spend $120,000, in the first 4 months. The miles are Capital One miles and transfer to partners including Aeroplan, British Airways Club, Choice Privileges and Wyndham Rewards. The two-tier structure rewards very high spend in a short window. A business that reaches the first $40,000 threshold receives 150,000 miles; reaching the higher threshold adds another 150,000. Compared with the Amex and Chase premium cards, the Venture X Business offers a simpler earn structure and a mid-range fee, with strong portal bonuses and lounge access. It fits businesses that want straightforward 2x earning everywhere plus elevated rates when they book travel through Capital One, without needing to optimize multiple categories. For points valuations that help decide whether to transfer or redeem the miles, see the points valuations overview.

Because the 2x rate has no cap, high-volume spenders continue to earn at the same pace after any portal bonuses are captured. The anniversary miles arrive each year the account remains open, providing a recurring boost that pairs with the travel credit.

No-Fee Pairings: Ink Business Cash and Ink Business Unlimited

Best for: pairing with a premium Chase card.

The Chase Ink Business Cash and Ink Business Unlimited carry no annual fee, making them practical companions to a premium transferable card. Pairing lets a business earn elevated rates on everyday categories while moving the resulting Ultimate Rewards points to the same pool as those from a higher-fee card.

Ink Business Cash

The Ink Business Cash has a $0 annual fee. It earns 5% cash back on the first $25,000 spent each account anniversary year in combined purchases at office supply stores, on internet, cable and phone services. It also earns 2% on the first $25,000 spent at gas stations and on dining. All other purchases earn 1%. The current welcome offer is $750 cash back after $6,000 in purchases in the first three months. The bonus may not be available if you have ever had this card or any other Chase for Business card without an annual fee.

These rates suit a business that buys supplies, pays for telecom or fuel, or covers team meals. Because the cash back can be converted into Ultimate Rewards points when the card is paired with a premium Chase business card, the effective value rises above the cash-back baseline.

Ink Business Unlimited

The Ink Business Unlimited also has a $0 annual fee. It earns an unlimited 1.5% cash back on every purchase. The welcome offer is the same $750 cash back after $6,000 in the first three months, subject to the same prior-card restriction as the Cash version.

The flat rate works for volume spending that does not fall into the Cash card’s bonus categories. Again, the cash back becomes Ultimate Rewards points once the card sits in an account that also holds a premium Ink or Sapphire Reserve for Business.

Stacking Strategy

No-fee Inks stack with a premium Chase card so all points land in one Ultimate Rewards account. A business can put advertising, shipping and travel on the Ink Business Preferred (3x up to $150,000) or on the Sapphire Reserve for Business (8x via Chase Travel, 4x on direct flights and hotels), while routing office supplies and gas through the Cash card and residual spend through the Unlimited card. The combined earning is higher than any single card can produce on its own, and the points remain transferable to airline and hotel partners.

See also the comparison of no-fee business cash and unlimited options for additional context on flat-rate and category cash-back cards.

Annual Fee and Value of Business Travel Cards

Annual fees range from $0 on the Ink Cash and Unlimited to $895 on the Amex Business Platinum. The right fee depends on whether the credits, lounge access and elevated earn rates offset the cost for a given spend pattern.

The Ink Business Preferred at $95 fits moderate travel, shipping, advertising and telecom spend. Its 3x rate on the first $150,000 in those categories returns meaningful points without requiring heavy use of statement credits.

Higher-fee cards recover value through specific benefits. The Amex Business Platinum at $895 includes up to $600 in hotel credit (two $300 semi-annual amounts via Amex Travel Fine Hotels + Resorts or The Hotel Collection), up to $200 in airline fee credit, up to $209 CLEAR credit, Global Entry or TSA PreCheck credit, and additional business credits such as Dell, Adobe, Indeed, wireless, ChatGPT and Hilton. Issuer materials state the card unlocks over $4,000 in business and travel value annually when the credits are fully used.

The Sapphire Reserve for Business at $795 provides a $300 annual travel credit, $250 on select Chase Travel hotels through the end of 2026, $500 on The Edit (rising to $1,000 in 2027), $120 Global Entry/TSA/NEXUS credit, and business credits including Google Workspace and ZipRecruiter. Materials list more than $3,000 in annual value.

The Capital One Venture X Business at $395 includes a $300 annual travel credit plus 10,000 anniversary miles. Lounge access to Capital One Lounges and Priority Pass is included.

A simple check: if a traveler will use the hotel and airline credits on the Platinum, the net cost can fall well below the headline fee. If those credits go unused, the lower-fee Preferred or the no-fee Inks paired with a mid-tier card often produce a better net result. The same arithmetic applies to the Sapphire and Venture X credits.

For a deeper look at whether the $95 Preferred fee is justified, see the Ink Business Preferred fee analysis.

Transfer Partners Compared

All three major points currencies—Chase Ultimate Rewards, Amex Membership Rewards and Capital One miles—transfer to airline and hotel partners. The partner lists and ratios determine how far a given balance will go.

Chase Ultimate Rewards

Ultimate Rewards earned on the Ink Business Preferred, the Sapphire Reserve for Business, and the no-fee Inks (once paired) transfer to the partners listed on the Preferred product page. The page currently lists ten airline partners and three hotel partners. Starting October 1, 2026 the Hyatt transfer ratio for Preferred points becomes 4:3. Points do not expire as long as the account remains open.

See all Chase Ultimate Rewards transfer partners.

Amex Membership Rewards

Membership Rewards from the Business Platinum and Business Gold transfer to 20 partners (16 airlines and 4 hotels). Most transfers are 1:1. The points have no expiration date. For a full list and current ratios see the American Express rewards transfer page.

Capital One Miles

Capital One miles earned on the Venture X Business transfer to multiple airline and hotel programs, including Air Canada Aeroplan, British Airways Club, Choice Privileges and Wyndham Rewards at the published ratios.

Because transfer values vary by partner and by redemption, compare the cash value of a points balance against the value after transfer. Tools such as points valuations help quantify the difference.

Stacking with Personal Cards and Application Rules

Business cards can be combined with personal cards, but issuer rules on prior ownership and bonus eligibility still apply. Chase states that the Ink Business Preferred bonus may not be available if you have ever had the card; factors pertinent to the business may also be considered. American Express uses “have or have had” language on the same card for welcome-offer eligibility. The notice appears before the application is processed, giving the applicant the option to withdraw.

No-fee Ink cards stack cleanly with a premium Chase card. Points from the Cash and Unlimited cards move into the same Ultimate Rewards pool, so the business earns elevated rates on office, gas and residual spend without opening another premium account. Business cards generally do not count toward the personal 5/24 guideline that Chase applies to most of its consumer cards, because most business accounts do not appear on personal credit reports. Approval for a new Chase business card still usually requires the applicant to be under that guideline.

When sequencing applications, place cards from other issuers first if the goal is to stay under Chase’s five-personal-cards-in-24-months threshold. Amex’s pre-processing notice lets an applicant test eligibility without locking in a new account. Citi and Bank of America velocity rules (community-reported) are separate from Chase’s and should be tracked on their own calendars.

Employee cards on the Sapphire Reserve for Business carry no additional annual fee, which simplifies adding authorized users for travel bookings without extra cost.

How to Choose the Best Business Travel Card

Match the card to the dominant spend categories and to the benefits the business will actually use.

• Choose the Ink Business Preferred when travel, shipping, internet/cable/phone and advertising are the largest categories. The $95 fee and 3x rate on the first $150,000 combined keep the net cost low.
• Choose the Amex Business Gold when the top two of six eligible U.S. categories (advertising, electronics/software, restaurants, gas, transit, wireless) change from month to month. The 4x rate on the first $150,000 combined and the $375 fee suit flexible category spend.
• Choose the Amex Business Platinum or the Sapphire Reserve for Business when lounge access and statement credits will be used. The Platinum’s Global Lounge Collection and the Sapphire’s Chase Sapphire Lounges plus Priority Pass both require frequent travel to justify the higher fees.
• Choose the Venture X Business when simplicity matters. Unlimited 2x miles on every purchase plus 10x/5x through the Capital One portal and a $300 travel credit fit businesses that prefer a single flat rate.
• Add one or both no-fee Inks if residual spend or office/telecom categories are material. The points fold into the Ultimate Rewards pool once a premium Chase card is open.

A worked example: a business that spends $40,000 a year on advertising and $20,000 on travel can put the advertising on the Preferred (3x) and the travel on the Sapphire Reserve for Business (4x direct or 8x via Chase Travel). The combined points exceed what either card alone would earn, and the no-fee Unlimited card can capture the remaining volume at 1.5%.

Bottom Line

The Ink Business Preferred delivers strong category earning at a low $95 fee and remains the most practical single card for many businesses. The Amex Business Platinum and the Sapphire Reserve for Business suit frequent travelers who will use the lounge access and the statement credits that offset their higher fees. The Venture X Business offers straightforward unlimited 2x earning plus a $300 travel credit at a mid-range fee. Pairing either premium Chase card with the no-fee Ink Cash and Ink Unlimited raises total earning without adding annual fees.

No single card is best for every spend pattern. Compare the categories you actually spend in against the credits you will redeem, then decide whether the net value after the annual fee justifies the card.

FAQ

What is the annual fee for the Ink Business Preferred?

The Ink Business Preferred carries a $95 annual fee.

What is the welcome offer on Amex Business Platinum?

The Amex Business Platinum welcome offer is as high as 300,000 Membership Rewards points after $20,000 in purchases in the first three months. Offers vary and are subject to change.

Does the Amex Business Platinum include lounge access?

Yes. The card includes access to the Global Lounge Collection, which covers Centurion Lounges, Priority Pass Select and limited Delta Sky Club visits.

How does the Amex Business Gold earn points on business categories?

It earns 4x Membership Rewards on the top two eligible categories each billing cycle (chosen from U.S. media advertising, electronic goods/software/cloud, restaurants, gas stations, transit and wireless phone) on the first $150,000 combined per calendar year, then 1x. It also earns 3x on flights and prepaid hotels booked through Amex Travel.

What travel credits does the Sapphire Reserve for Business offer?

It offers a $300 annual travel credit, $250 on select Chase Travel hotels through December 31, 2026, $500 on The Edit (rising to $1,000 from January 1, 2027) and a $120 Global Entry, TSA PreCheck or NEXUS credit, among other benefits.

What is the annual fee and travel credit on Capital One Venture X Business?

The annual fee is $395. The card includes a $300 annual travel credit plus 10,000 anniversary miles.

Can Ink Business Cash and Unlimited be paired with premium Chase cards?

Yes. The no-fee Ink Cash and Unlimited cards can be paired with a premium Chase card so that the cash back converts to Ultimate Rewards points in the same account.

Do Chase Ultimate Rewards or Amex Membership Rewards points expire?

Chase Ultimate Rewards points do not expire as long as the account remains open. Amex Membership Rewards points have no expiration date.

What is the Hyatt transfer ratio for Ink Business Preferred?

Starting October 1, 2026 the Hyatt transfer ratio for Ink Business Preferred points is 4:3.