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Card Review

Credit CardChase
Ink Business Preferred credit card

Ink Business Preferred

Annual Fee

$95Charged Yearly

Welcome Bonus

100,000 pts welcome offer

EST. Net Value

$1,065/yr

Credit Score

Varies

Top Earn Rate

5x everything else


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

5x

Travel

3x

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Ink Business Preferred from Chase carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $1,150.20 in rewards plus $10.00 in credits and perks — $1,065.20 net per year before welcome bonuses.

How the points work

3X on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

Shipping purchases

Internet, cable and phone services

Advertising purchases with social media sites and search engines

Travel

5X on Lyft till March 2025

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • Everything elseLyft
    5×
  • Travel
    3×
  • Everything elseAll Purchases
    1×

Welcome offer

100,000 points

  • Spend $8,000 in 90 days
  • Est. value: $1,000 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • Monthly DoorDash Credit$10/yr

    Receive up to $10 a month off grocery and retail DoorDash orders.

Benefits

  • Trip Cancellation and Interruption Insurance

    If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses.

  • Auto Rental Coverage

    Primary coverage when renting for business purposes, providing reimbursement up to $60,000 for theft and collision damage for most rental vehicles.

  • Cell Phone Protection

    Get up to $1,000 per claim in cell phone protection against covered theft or damage. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.

  • Purchase Protection

    Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.

  • Extended Warranty Protection

    Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.

  • Roadside Assistance

    If you have a roadside emergency, call the service provider to dispatch help. Roadside service fees will be billed to your card.

  • No Foreign Transaction Fees

    You will pay no foreign transaction fees when you use your card for purchases made outside the United States.

  • Transfer Points

    Transfer your Chase Ultimate Rewards points to participating frequent travel programs.

  • Complimentary DashPass

    Get complimentary access to DashPass for a minimum of one year. Enjoy $0 delivery fees and reduced service fees on eligible orders when you activate by December 31, 2027.

  • Monthly DoorDash Credit$10/yr

    Receive up to $10 a month off grocery and retail DoorDash orders.

  • Employee cards at no additional cost

    Set individual spending limits and earn rewards on employee spending.

  • Chase Pay Over Time®

    Break up eligible credit card purchases of $100 or more into manageable monthly payments with a fixed monthly fee.

Transfer partners

Where this card's points can go, and at what ratio. 12 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • Iberia Plus1:1
  • JetBlue TrueBlue1:1
  • Singapore KrisFlyer1:1
  • Southwest Rapid Rewards1:1
  • United MileagePlus1:1
  • Virgin Atlantic Flying Club1:1
  • World of Hyatt1:1
  • IHG One Rewards1:1
  • Marriott Bonvoy1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$95
Stated credits+$10
Perks (est.)+$0
Net after credits & perks-$85

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$1,065/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Ink Business Preferred

Apply Now