Chase
Chase Ink Business Preferred
Chase Ink Business Preferred costs $95 annual fee and earns up to 3× on travel. It also carries $120 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Chase Ink Business Preferred returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $95 annual fee
- Best earn rate
- 3× travel
- Points value
- 2.05¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 100,000 points
- About $2,050 if you redeem at 2.05¢ a point, and only if you clear the spending requirement.
- Credits a year
- $120
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Chase Ink Business Preferred earns
Lyft
5×
Other travel
3×
Advertising
3×
Shipping
3×
Phone, internet, and cable
3×
| Category | Rate | Conditions |
|---|---|---|
| Lyft | 5× | |
| Other travel | 3× | |
| Advertising | 3× | |
| Shipping | 3× | |
| Phone, internet, and cable | 3× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Chase Ink Business Preferred right for you?
Enter a typical month. You will see what the Chase Ink Business Preferred returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Chase Ink Business Preferred Top for your numbers
3× travel; 1× everything else. $95 annual fee.
Rewards $588 · Fee −$95
+$493
+$407
Atmos Rewards Visa Signature Business Card
2× gas, 2× transit; 1× everything else. $95 annual fee.
Rewards $444 · Fee −$95
+$349
Chase Sapphire Reserve for Business
4× travel booked direct; 1× everything else. $795 annual fee.
Rewards $625 · Fee −$795
−$170
How we estimate
- Every rate on this page comes from the card catalog. Chase Ink Business Preferred pays 1× on spending outside the bonus categories listed above, and up to 3× on travel.
- We value this card's points at 2.05¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"chase-ink-business-preferred","name":"Chase Ink Business Preferred","fee":95,"cpp":0.020499999999999997,"base":1,"earn":[{"inputs":["travel"],"rate":3}],"credits":120},{"key":"chase-sapphire-reserve-for-business","name":"Chase Sapphire Reserve for Business","fee":795,"cpp":0.020499999999999997,"base":1,"earn":[{"inputs":["travel"],"rate":4}],"credits":1470},{"key":"atmos-rewards-visa-signature-business","name":"Atmos Rewards Visa Signature Business Card","fee":95,"cpp":0.016,"base":1,"earn":[{"inputs":["gas"],"rate":2},{"inputs":["transit"],"rate":2}]},{"key":"business-green-rewards","name":"Business Green Rewards Card","fee":95,"cpp":0.02,"base":1}]}What comes with it
Welcome bonus
100,000 points
About $2,050 if you redeem at 2.05¢ a point, and only if you clear the spending requirement.
Points and partners
Chase Ultimate Rewards
Transferable to airline and hotel partners.
Airlines
Aer Lingus, Air Canada (Aeroplan), Air France-KLM, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest, United, Virgin Atlantic
Hotels
World of Hyatt, IHG, Marriott
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| DoorDash promos At least 12 months of complimentary DashPass when activated by 12/31/2027, plus up to $10 a month on grocery and retail DoorDash orders. The monthly promo is what counts here; the membership itself is not cash. | $120 | $120 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked creditcards.chase.com 2026-10-05. $95 annual fee. 100,000 bonus points after $8,000 in purchases in 3 months. 3x on the first $150,000 a year combined across travel, shipping, internet/cable/phone and advertising through search engines or social media; 1x other. No foreign transaction fee. 5x on Lyft through 9/30/2027, on top of the 3x travel earn. Cell phone protection could not be re-confirmed from the product page and is left as published rather than changed on an unverified basis.
FAQ
The Chase Ink Business Preferred charges $95 a year. Earning back $95 means about $193 a month on travel, where it earns 4.1¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
3× on travel, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $95 means about $193 a month on travel, where it earns 4.1¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $120 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 100,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 2.05¢ a point that is about $2,050, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Chase Ultimate Rewards, which you can transfer to the partners below. Airlines: Aer Lingus, Air Canada (Aeroplan), Air France-KLM, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest, United, Virgin Atlantic. Hotels: World of Hyatt, IHG, Marriott. Transfers are what make a 2.05¢ valuation reachable; using the points for cash back is worth far less.
No. The Chase Ink Business Preferred charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.