Chase Ink Business Preferred
$95 annual fee · $120/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x | on the first $150,000/year |
| Shipping | 3x | on the first $150,000/year |
| Internet and 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 |
| Rideshare at Lyft only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | on the first $150,000/year |
See how it ranks: best travel cards · best shipping cards · best internet and cable 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. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $120/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| DashPass membership + DoorDash credit | $120/year | monthly · enrollment required · through 2027-12-31 |
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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at Lyft. Its largest printed rate, 5x on rideshare, pays only at Lyft. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- A heavy travel spender. The 3x on travel stops after $150,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first $150,000 only.
Compared head-to-head
Don't want the fee any more?
Chase Ink Business Preferred can normally be product-changed to two lower-fee cards out of Chase Ultimate Rewards and into cash back instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Chase Ultimate Rewards →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.