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Ink Business Preferred® Credit Card

Business card Chase Ultimate Rewards
Welcome bonus
100,000 points
≈ $2,000 at 2.0¢ per point
after $8,000 spend in 3 months
Annual fee$95 
Value per point~2.0¢median of 7 published valuations
First-year value*$715easy credits counted · $715 with none
Year 2+ value*$715each year after the first, after the fee · $715 with no credits
$95 fee vs $0 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $95 ↓
Worth ~2.0¢/pt, median of 7 published valuations

Range 1.4–2.07¢. Checked 2026-10-23. How we use these

See the offer on Chase’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Chase card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 2.0¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$95
vs
Stated credits a year$0face value, as Chase states it
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

No statement credits are listed on the issuer page.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • other Complimentary DashPass for at least 12 months (activate with the card)
  • insurance Cell phone protection up to $1,000 per claim
  • other No foreign transaction fees

Source: Chase card page and benefit terms · checked 2026-10-23.

How it earns

  • 3x Flights (booked with the airline), Hotels (booked with the hotel), Other travel, Travel booked on the card’s own travel site up to $150,000/yr combined
  • 1x everything else
  • Business card. 3x categories share one $150,000 cap per account anniversary year.

Offer details

  • 100,000 points after $8,000 in 3 months

Annual fee $95. Credits from the issuer page are in Credits & perks above.

Questions about the Chase Ink Business Preferred

What is the Chase Ink Business Preferred welcome bonus?

100,000 points after $8,000 in 3 months, about $2,000 at the median published point value, per Chase’s card page checked October 23, 2026.

What is the Chase Ink Business Preferred annual fee?

$95 a year, as listed on Chase’s page on October 23, 2026.

How much are its points worth?

About 2.0¢ each: the median of 7 published valuations (range 1.4–2.07¢), checked October 23, 2026.

What credits does the Chase Ink Business Preferred include?

Chase’s page lists no statement credits for this card.

Is the Chase Ink Business Preferred worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $715 in the first year and $715 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

A year of earning: 40,500 points × 2.0¢$810
Annual fee−$95
First year / Year 2+$715 / $715
Your spend (~$7,775 in 3 months) may miss the $8,000 minimum, so the bonus is not counted.

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.