What credit score do I need for the Ink Plus?

A good-to-excellent credit score is generally recommended.

Is the Ink Plus's annual fee worth it?

It charges $95 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the Ink Plus?

Use WalletFlo's reward calculator at /tools/rewards-calc/ink-plus to model net value on your spending.

Ink Plus Review — Rewards, Fees & Benefits (2026) | WalletFlo

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

Online shopping

Gas

Overview

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

The Ink Plus from Chase carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $638.40 in rewards plus $0.00 in credits and perks — $543.40 net per year before welcome bonuses.

How the points work

5X on Lyft till March 2025

5X on the first $50,000 spent in combined purchases each account anniversary year at:

Office supply stores

Internet, cable and phone services

2X on the first $50,000 spent in combined purchases each account anniversary year at:

Gas stations

Hotel accommodations when purchased directly with the hotel

1X on all other purchases

Earning rates

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

CategoryRate

Everything elseOffice Supply Stores
5×
Online shoppingInternet
5×
Everything elseCable
5×
Everything elsePhone Bill
5×
Everything elseLyft
5×
Gas
2×
TravelHotels
2×
Everything elseAll Purchases
1×

Credits & Benefits

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

Credits

No statement credits listed for this card

Benefits

Primary Rental Car Coverage
Recieve primary rental car coverage while renting for business purposes or when renting for personal reasons outside your country of residence.

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+$0

Perks (est.)+$0

Net after credits & perks-$95

Verdict

Fee exceeds stated credits & perks

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

Full Analysis Rewards Calculator

Flo 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.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

See if credits and perks offset the annual fee.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

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

$543/yr

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Estimates for illustrative purposes. See methodology

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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.