Chase Ink Business Preferred
Editor reviewed100k points for a $95 fee, with 3x on ads, travel, shipping and telecom
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
Annual fee
$95
Biggest pro
100k points for $95 is the best points-per-fee-dollar in the market
Biggest con
$8,000 bonus spend hurdle
At a glance
Rates verified July 23, 2026- Annual fee
- $95
- Rewards
- 3x on travel, shipping, internet/cable/phone and advertising (capped at $150k/yr), 1x other
- Welcome bonus
- 100,000 points after $8,000 in 3 months
- Regular APR
- 17.74%-29.99% variable
- Recommended credit
- good-excellent (690+)
- Issuer
- Chase
- Network
- Visa
Is it worth it?
Breaks even once rewards top $95 a year
The $95 annual fee pays for itself once your rewards pass $95 in a year. The welcome bonus (100,000 points after $8,000 in 3 months) alone typically covers the first few years of the fee. If you would not clear the fee in rewards, a no-annual-fee card usually wins.
What is Chase Ink Business Preferred?
A small-business points juggernaut, especially for anyone buying Meta or Google ads. Its 100,000-point bonus for a $95 fee is the best points-per-fee-dollar in the market, and the 3x on advertising spend is unmatched for online businesses.
The annual fee is $95 with a regular APR of 17.74% to 29.99% variable, a wide flex range worth verifying at application. Earning: 3x on travel, shipping, internet, cable and phone, and search and social advertising, on a combined $150,000 per anniversary year, then 1x. The welcome bonus is 100,000 points after $8,000 in 3 months. Points transfer 1:1 to Chase's airline and hotel partners, and the card includes cell phone protection and primary rental CDW on business rentals.
The catch: the $8,000 spend hurdle is real for small operators, the 3x caps at $150,000, and there are no travel credits to soften the fee.
Pros & Cons
Pros
- 100k points for $95 is the best points-per-fee-dollar in the market
- 3x on ad spend is unmatched for online businesses
Cons
- $8,000 bonus spend hurdle
- 3x caps at $150,000 per year
- No travel credits
Key details
3x on travel, shipping, internet/cable/phone and search/social advertising (combined $150,000/year cap)100,000-point welcome bonus1:1 point transfers to Chase airline and hotel partnersCell phone protectionPrimary rental CDW on business rentals
Explore More
Chase Ink Business Preferred FAQ
What is the annual fee on the Ink Business Preferred?
$95 per year.
What is the current welcome bonus?
100,000 points after spending $8,000 in the first 3 months.
What credit score do you need?
Good to excellent credit, roughly 690 or higher.
Source: creditcards.chase.com