Chase Ink Business Preferred® Credit Card

Chase

$95

Annual Fee

visaExcellentNo Foreign Transaction Feebusiness3 months ago

Welcome Offer

100,000 pts(≈ $1700)Spend $8,000 within 3 months

OpenCard editorial analysis

Our take

A mid-tier business travel card for owners with meaningful eligible category spend and a use for transferable Chase points. Its value comes from business categories, protections, and redemption flexibility rather than from being a universal high earner. The annual fee is manageable only when the business can use those features consistently.

Best for

✓ Businesses with travel, shipping, advertising, or eligible service spend
✓ Owners using Chase transfer partners
✓ Companies wanting business-focused travel protections

Not ideal for

— Low-spend businesses
— Owners seeking simple cash back
— Companies with mostly uncategorized purchases

Conservative break-even test

Compare category-point value with a no-fee business card, subtract the annual fee, and add protections only when they replace coverage or risk you would otherwise bear. Exclude the welcome offer from renewal math.

First year vs. ongoing year worksheet

Annual fee hurdle

$95

Issuer-data bonus estimate

$1,700

First-year net before credits

$1,605

For year two, remove the one-time welcome offer entirely. To recover a $95 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $9,500 in eligible annual spend before counting credits you would genuinely buy anyway.

Data reviewed 2026-05-11. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.

Compare alternatives

Ink Business Cash →

No-fee fit for eligible office and telecom categories.

American Express Business Gold →

Alternative for businesses whose largest categories align with Amex.

Earning Rates

3×TravelOn the first $150,000 spent in combined purchases each account anniversary year.

3×Advertising (Social Media & Search Engines)On the first $150,000 spent in combined purchases each account anniversary year.

3×ShippingOn the first $150,000 spent in combined purchases each account anniversary year.

3×Internet, Cable & Phone ServicesOn the first $150,000 spent in combined purchases each account anniversary year.

5×Lyft RidesThrough September 30, 2027.

1×DefaultOn all other purchases.

Other Benefits

Points Transfer

Transfer points to leading airline and hotel frequent travel programs at 1:1 ratio.

Chase Travel

Book travel through Chase Travel for competitive rates and premium benefits.

DashPass

Complimentary access to DoorDash DashPass (activation required).

Insurance

Trip Cancellation

Trip Delay

Rental InsurancePrimary

Purchase Protection

Extended Warranty

Application Rules

Sources

Last Updated: May 11, 2026