Verdict · Updated April 2026
Chase Ink Business Preferred for Small Business Use
The Chase Ink Business Preferred is a top choice for small business use — ranked #2 of 15 eligible cards on our use-case scoring model. If small business use is your primary need, this card is a strong primary pick.
Rank #2 of 1593th percentileStrong primary pick
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Chase Ink Business Preferred
Chase · $95 annual fee
The 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.
Full card review
Earn math — Small Business Use profile
Based on typical small business use spending of $33,600/year across the categories below.
Annual rewards
$612
Annual fee
$95
Net value
$517
Business categoriesHigh limitsEmployee cards freeNo 5/24 impact
Where the Chase Ink Business Preferred wins for small business use
- Classified as a business card — does not count toward Chase 5/24
- 3x on core business categories (office supplies, ads, shipping, or internet)
- Free employee cards let you earn on employee spend without extra accounts
Where it falls short
- No intro 0% APR and a high regular APR (26.24%) — carrying a balance is expensive
Top 3 alternatives for small business use
Cards that rank higher than or close to the Chase Ink Business Preferred on our small business use scoring model.
How the Chase Ink Business Preferred performs for other use cases
Frequently asked questions
Is the Chase Ink Business Preferred a good card for small business use?⌄
The Chase Ink Business Preferred is a top choice for small business use — ranked #2 of 15 eligible cards on our use-case scoring model. If small business use is your primary need, this card is a strong primary pick.
How much can I earn with the Chase Ink Business Preferred on small business use spending?⌄
At the typical small business use spending profile of $33,600/year, this card earns approximately $612 in rewards — net $517 after the $95 annual fee.
What are better alternatives to the Chase Ink Business Preferred for small business use?⌄
Our top 3 alternatives are Chase Ink Business Cash, Bank of America Business Advantage Cash Rewards, Chase Ink Business Unlimited. Each ranks higher on our use-case scoring model for small business use.
What credit score do I need for the Chase Ink Business Preferred?⌄
The Chase Ink Business Preferred typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Chase Ink Business Preferred's annual fee worth it for this use case?⌄
The $95 annual fee breaks even when you earn $95 in rewards. At the typical small business use profile ($33,600/year), this card earns $612 — net positive after the fee.
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