Chase · Visa · business

Chase Ink Business Preferred

$95 annual fee · $120/yr in printed statement credits · 1x on everything else · no foreign transaction fees

Earn rates

Category	Rate	Cap
Rideshare	5x	on the first $150,000/year
Travel	3x	on the first $150,000/year
Shipping	3x	on the first $150,000/year
Internet & cable	3x	on the first $150,000/year
Cell phone plans	3x	on the first $150,000/year
Advertising	3x	on the first $150,000/year
Everything else	1x	uncapped

See how it ranks: best rideshare cards · best travel cards · best cell phone plans cards.

Signup bonus: 100,000 points after $8,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.

Statement credits — $120/yr on paper

Credit	Value	How it pays
DashPass membership + DoorDash credit	$120/year	monthly · enrollment required

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

Cell Phone Protection (up to $1,000/claim, max 3 claims per 12 months, $100 deductible; phone bill must be paid with the card)
Purchase Protection (120 days, up to $10,000/item; NY residents 90 days)
Extended Warranty Protection (+1 year on warranties ≤3 years, up to 4 years total)
Trip Cancellation/Interruption Insurance (up to $5,000 per covered traveler, $10,000 per trip)
Primary auto rental collision damage waiver for business rentals (up to $60,000, MSRP ≤$125,000)
Roadside Dispatch
Points transfer to airline partners (Aer Lingus, Air Canada Aeroplan, British Airways, Flying Blue, Iberia, JetBlue, Singapore KrisFlyer, Southwest, United, Virgin Atlantic) and hotel partners (IHG, Marriott Bonvoy, World of Hyatt)
Rewards can be pooled across select Chase business/personal cards held by the same person or business

Does the fee earn out?

The printed statement credits ($120/yr) cover the $95 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.

Is this $95 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Compared head-to-head

Chase Ink Business Preferred vs Chase Ink Business Cash vs Chase Ink Business Unlimited — all three side by side

Don't want the fee any more?

Chase Ink Business Preferred can normally be product-changed to 2 lower-fee cards in the Chase Ink family instead of being closed — which keeps the account, its age and its credit line.

What does Chase Ink Business Preferred downgrade to? →

Comparing cards in the same currency? See the best cards that earn Chase Ultimate Rewards →