
Chase
Ink Business Preferred
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Card review
Ink Business Preferred
Chase
Last updated October 5, 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
$1,065/yr
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. 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.
| Category | Rate |
|---|---|
| Everything elseLyft | 5× |
| TravelTravel | 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 a $10 off discount each calendar month on one qualifying non-restaurant order on DoorDash.
Benefits & perks
- 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.
- No foreign transaction fees
- Transfer Points
Transfer your Chase Ultimate Rewards points to participating frequent travel programs.
- Complimentary DashPass
Enjoy $0 delivery fees and reduced service fees on eligible orders for a minimum of one year. Activate by December 31, 2027.
- Monthly DoorDash Credit$10/yr
Receive a $10 off discount each calendar month on one qualifying non-restaurant order on DoorDash.
- Employee cards at no additional cost
Set individual spending limits and earn rewards faster.
- Chase Pay Over Time®
Break up credit card expenses of $100 or more into manageable monthly payments for a fixed monthly fee.
Included, not priced
- Trip Cancellation and Interruption Insurance
Reimbursement 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, provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles.
- Cell Phone Protection
Get up to $1,000 per claim against covered theft or damage for cell phones listed on your monthly bill. 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.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
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.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
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.