Chase Ink Business Preferred
Visa business card with a $95 annual fee. Earns 3x on travel, internet, cable and phone services, on the first $150,000 a year combined, 1x on everything else.
Terms read from Chase's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- $95
- Foreign transaction fee
- None
- Purchase APR
- 17.99% to 26.99%
Rewards
- 3x on travel, internet, cable and phone services, on the first $150,000 a year combined
- 1x on everything else
Earns Chase Ultimate Rewards (Sapphire and Ink Preferred), valued at 1 cents as cash, 1 through the issuer's travel booking and 2.05 with transfer partners.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $78 | $78 | $235 | Month 7 |
| Family | $1,475 | $475 | $2,425 | Month 2 |
| Frequent traveller | $1,719 | $719 | $3,156 | Month 2 |
Frequently asked questions
Is the Chase Ink Business Preferred worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $1,475 in year 1 and $475 a year after that, after a $95 annual fee. It pays for its fee by month 2.
What is the Chase Ink Business Preferred welcome bonus?
100,000 points after $8,000 in purchases in the first 3 months.
Does the Chase Ink Business Preferred charge foreign transaction fees?
No. It charges no foreign transaction fee.
What isn't counted in its value?
The 3x categories also include shipping and social media and search ads, which the spend profile doesn't cover.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.