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Ink Business Preferred credit card

Chase

Ink Business Preferred

oth 5xtra 3x
credit

Hover to explore — real card art from our catalog

100,000 pts welcome offercredit

Card review

Ink Business Preferred

Chase

Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$95

Welcome bonus

100,000 pts welcome offer

Est. net value

Run calculator

Credit score

Varies

Top earn rate

5x everything else

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. Use the calculators below to model rewards, credits, and net value on your own spending.

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
TravelTravel
Everything elseAll Purchases

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.

Benefits & perks

  • No Foreign Transaction Fees

    Pay no foreign transaction fees on purchases made outside the United States.

  • Points Transfer

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

  • Trip Cancellation and Interruption Insurance

    Be reimbursed up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or cut short by covered situations.

  • 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 against damage or theft up to $10,000 per item.

  • Extended Warranty Protection

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

  • Complimentary DashPass

    Get complimentary access to DashPass with your card for a minimum of one year, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027.

  • Employee cards at no additional cost

    Set individual spending limits and earn rewards faster with employee cards.

Transfer partners

Where this card's points can go, and at what ratio. 13 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • Emirates Skywards1:1
  • 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.

Annual fee analysis

We couldn't load the OneCard breakeven engine right now. Open the full tool to model credits and perks against $95/yr.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

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

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.

Ready to apply?

Ink Business Preferred

Apply now