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Terms read from Chase's page on Oct 16, 2026.
Year 1, after fees
$1,475
Year 2+, after fees
$475
every year after
3 years, after fees
$2,425
Break-even
Month 2
⚠ mostly first-year value
Earn rate by category
Points at 1.00¢ each (cash or statement credit); published range 1¢ to 2.05¢. Source: The Points Guy monthly valuations, October 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $78 | $78 | $235 | Month 7 |
| Couple ($2,555/mo) | $340 | $340 | $1,020 | Month 3 |
| Family ($3,350/mo) | $1,475 | $475 | $2,425 | Month 2 |
| Frequent traveller ($3,880/mo) | $1,719 | $719 | $3,156 | Month 2 |
| Big spender ($7,960/mo) | $2,388 | $1,388 | $5,165 | Month 1 |
Who it suits
- People who spend a lot on bills and flights, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
- Spending abroad: no foreign transaction fee.
Who should skip it
- Anyone keeping one card for years: most of its value on a family's spending comes in year 1.
Fees and rates
- Annual fee
- $95
- Foreign transaction fee
- None
- Purchase APR
- 17.99% to 26.99% (variable)
Rewards
- 3x on travel, internet, cable and phone services, on the first $150,000 a year combined
- 1x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Chase Ultimate Rewards (Sapphire and Ink Preferred) points at 1.00 cents each: no redemption style chosen, so cash or statement credit. Source: The Points Guy monthly valuations, October 2026.
- Welcome bonus: 100,000 points after $8,000 in purchases in the first 3 months. Your spending meets it in month 3.
- Note: The 3x categories also include shipping and social media and search ads, which the spend profile doesn't cover.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $475.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Chase Ink Business Preferred worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,475 in year 1 and $475 a year after that, after a $95 annual fee. It covers its fee by month 2.
What is the Chase Ink Business Preferred welcome offer?
100,000 points after $8,000 in purchases in the first 3 months.
Does the Chase Ink Business Preferred charge foreign transaction fees?
No. The issuer states no foreign transaction fee.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.