Chase Ink Business Preferred
$95/yr
Chase
Chase Ink Business Preferred
4.7
(987 reviews)businesstravelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The top business travel rewards card for entrepreneurs and growing companies. The 90,000-point sign-up bonus is worth $1,125 toward travel via Chase, and 3x on key business categories like travel, advertising, and shipping adds up fast. Points transfer to 14 airline and hotel partners at 1:1 ratio.
Annual Fee
$95
Purchase APR
21.24% – 26.24%
Rewards
1x base rate
Sign-Up Bonus
$1125 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Chase Ink Business Preferred is best suited for established credit users who growing businesses with travel and advertising expenses. The $95 annual fee pays for itself if you spend $9,500+/year on this card.
This card is great if you…
- Massive 90K sign-up bonus
- 3x on core business categories
- No foreign transaction fees
- Growing businesses with travel and advertising expenses
Consider another card if you…
- $95 annual fee
- 3x categories capped at $150,000/year combined
- No lounge access
Rewards Breakdown
3x travel, shipping, ads & telecom (up to $150,000/year), 1x everything else
| Category | Rate |
|---|---|
| Travel(The best business travel rewards card: 3x points on travel, shipping, advertising, and internet/cable/phone services up to 150,000 dollars combined annually. A 90,000-point sign-up bonus worth over 1,000 dollars through Chase Travel, primary rental car coverage, and cell phone protection make this the most complete small-business card available.) | 3x |
| Shipping(The best business travel rewards card: 3x points on travel, shipping, advertising, and internet/cable/phone services up to 150,000 dollars combined annually. A 90,000-point sign-up bonus worth over 1,000 dollars through Chase Travel, primary rental car coverage, and cell phone protection make this the most complete small-business card available.) | 3x |
| Advertising (social/search)(The best business travel rewards card: 3x points on travel, shipping, advertising, and internet/cable/phone services up to 150,000 dollars combined annually. A 90,000-point sign-up bonus worth over 1,000 dollars through Chase Travel, primary rental car coverage, and cell phone protection make this the most complete small-business card available.) | 3x |
| Internet/Cable/Phone(The best business travel rewards card: 3x points on travel, shipping, advertising, and internet/cable/phone services up to 150,000 dollars combined annually. A 90,000-point sign-up bonus worth over 1,000 dollars through Chase Travel, primary rental car coverage, and cell phone protection make this the most complete small-business card available.) | 3x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Travel3x23%
Shipping3x23%
Advertising (social/search)3x23%
Internet/Cable/Phone3x23%
Everything else1x8%
Sign-Up Bonus
90,000 points after spending $8,000 in 3 months
Near Historic LowConsider waiting
Low: $1350Avg: $1388High: $1500
Current
$1125
Bonus History
23
24
24
26
Fees & APR
| Annual Fee | $95 |
| Purchase APR | 21.24% – 26.24% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Massive 90K sign-up bonus
3x on core business categories
No foreign transaction fees
Points transfer 1:1 to airlines/hotels
Cell phone protection
$95 annual fee
3x categories capped at $150,000/year combined
No lounge access
The Bottom Line
The Good: The Chase Ink Business Preferred stands out for its massive 90k sign-up bonus. The welcome bonus worth $1,125 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $95 annual fee. The $95 annual fee means you need to use the card actively to justify the cost.
Our Verdict: With an editor score of 10/10, the Chase Ink Business Preferred is one of our top-rated cards in its category. Make sure you'll earn at least $95 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Chase Ink Business Preferred?▾
The Chase Ink Business Preferred has a $95 annual fee. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Chase Ink Business Preferred?▾
The Chase Ink Business Preferred currently offers a sign-up bonus worth approximately $1,125. 90,000 points after spending $8,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Chase Ink Business Preferred?▾
The Chase Ink Business Preferred earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Chase Ink Business Preferred?▾
The Chase Ink Business Preferred is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Chase Ink Business Preferred charge a foreign transaction fee?▾
No — the Chase Ink Business Preferred has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Chase Ink Business Preferred?▾
The Chase Ink Business Preferred has a variable purchase APR of 21.24% – 26.24%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Chase Ink Business Preferred best for?▾
The Chase Ink Business Preferred is best for Growing businesses with travel and advertising expenses. A key advantage: massive 90k sign-up bonus.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $180Annual fee: $95
Card pays for itself! You earn $85 more than the annual fee at this spend level.
Based on 1x base rewards rate @ 1.5¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
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