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Chase · creditBusiness
Last updated
Is the Ink Business Preferred worth keeping when the fee hits?
Welcome offer — 90,000 Ultimate Rewards points after $8,000 spend in 3 months Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 3× | Travel — First $150,000 combined across all 3x categories/year, then 1x Inferred by source |
|---|---|
| 3× | Shipping purchases — First $150,000 combined/year Inferred by source |
| 3× | Advertising on social media & search engines — First $150,000 combined/year Inferred by source |
| 3× | Internet, cable & phone services — First $150,000 combined/year Inferred by source |
| 1× | Everything else Inferred by source |
Chase Ultimate Rewards points transfer to these loyalty programs. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes). Inferred by source
| Airlines (11) | |
|---|---|
| Hotels (3) |
Recent transfer changes
No lounge access.
| Rental car CDW | Primary CDW on business rentals (up to vehicle value) Inferred by source |
|---|---|
| Trip cancellation | Up to $5,000/person, $10,000/trip Inferred by source |
| Trip delay | Up to $500/ticket (>12 hrs or overnight) Inferred by source |
| Baggage | Lost/damaged up to $3,000/person per trip ($500 sub-limit for jewelry, cameras, electronics); delayed up to $100/day for up to 5 days when luggage arrives 6+ hours late Inferred by source |
| Travel accident | Up to $500,000 AD&D on common carriers; up to $100,000 for 24-hour travel coverage Inferred by source |
| Purchase protection | Up to $10,000/claim, $50,000/account/year; 120 days from purchase Inferred by source |
| Extended warranty | Extends manufacturer's US warranty by 1 additional year on warranties of 3 years or less; up to $10,000/claim, $50,000/account/year Inferred by source |
| Cell phone protection | Up to $1,000/claim for theft or damage when monthly bill paid with card; $100 deductible; max 3 claims per 12-month period Inferred by source |
Using Ink Business Preferred at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Ink Business Preferred® Credit Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Ink Business Preferred® Credit Card returns about $0 in value against its $95 annual fee — a net of −$95 per year. It only makes sense if you value its perks beyond the listed credits.
The Ink Business Preferred® Credit Card earns 3x on travel, 3x on shipping purchases, 3x on advertising on social media & search engines.
No — the Ink Business Preferred® Credit Card does not include airport lounge access.
No — the Ink Business Preferred® Credit Card has no foreign transaction fee, so it's a good card to use abroad.
90,000 Ultimate Rewards points after $8,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.