Points · Visa · $95 annual fee
Last verified 2026-09-09. Review issuer source
Chase Ink Business Preferred is a $95-a-year points card from Chase. Its best everyday rates are 3x on advertisements, 3x on shipping, and 3x on telecom; everything else earns 1x. There is also 5x on Lyft, a single-merchant rate. Advertisements is capped at $150,000 a year, then drops to the base rate.
On our reference budget of $73,200 a year it earns $1,284, which clears the $95 fee with $1,189 to spare before any credits or perks. The welcome bonus, 100,000 points after $8,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Cap: $150,000 per annual
Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year: Shipping purchases, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, Travel
Cap: $150,000 per annual
Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year: Shipping purchases, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, Travel
Cap: $150,000 per annual
Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year: Shipping purchases, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, Travel
Cap: $150,000 per annual
Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year: Shipping purchases, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, Travel
Earn 5 points per $1 on Lyft rides through September 30, 2027
100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
Transfer your Ultimate Rewards points to participating frequent travel programs at full 1:1 value ' that means one Chase Ultimate Rewards point equals one partner mile/point.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Whether you're in need of a team lunch or office supplies, get complimentary access to DashPass with your Chase Ink Business Preferred card. Enjoy $0 delivery fees and reduced service fees on eligible orders for a minimum of one year, when you activate by December 31, 2027. Plus, as soon as you activate your membership, you'll receive up to $10 a month on grocery and retail DoorDash orders.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, nonrefundable travel expenses, including passenger fares, tours, and hotels.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Ink Business Preferred® Credit CardThis card · 3x on advertisements | $95 | $1,284 | +$1,189 | 19th of 752 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 161st of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
