LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit Cards / Business
Credit card review

Chase Ink Business Preferred Credit Card Review

ChaseVisaBusinessTravel

Chase Ink Business Preferred Credit Card earned 4.7 / 5 in our 2026 review. The Chase Ink Business Preferred Credit Card earns 3x on travel with a $95 annual fee, a 100,000 bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Chase Ink Business Preferred Credit Card credit card
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TL;DR
Annual fee
$95
Signup bonus
$1,250
Top reward rate
3x on travel
Intro APR
None
Issuer
Chase
Network
Visa
Min credit score
690
Fintiex rating
4.7 / 5
Pros
  • +3x points on first $150,000 combined per year in travel, shipping, internet, cable, phone, and advertising purchases
  • +100,000 bonus points after spending $8,000 in first 3 months
  • +Points worth 1.25 cents each in Chase Travel portal or transfer to 14 airline and hotel partners at 1:1
  • +No foreign transaction fees
  • +Cell phone protection (up to $1,000 per claim, $100 deductible) when you pay bill with card
  • +Trip cancellation, trip delay, and baggage delay insurance
  • +Purchase protection and extended warranty
  • +Employee cards at no additional cost
Cons
  • -$95 annual fee
  • -$150,000 annual cap on 3x bonus categories
  • -$8,000 spend required for signup bonus (higher than personal cards)
  • -Chase 5/24 rule applies to business cards
  • -5% balance transfer fee

Rewards detail

travel
3x
shipping
3x
internet cable phone
3x
online ads
3x
everything else
1x

Fintiex values Chase points at about 1.25 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$95
Purchase APR
21.24% to 26.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
21.24% to 26.24%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Ink Business Preferred Credit Card is built for people who want a business or travel card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best business cards roundup.

Compare with similar cards

Chase
Ink Business Cash Credit Card
5% on office supply stores
$0 fee→
American Express
American Express Business Gold Card
4x on top 2 business categories
$375 fee→
Brex
Brex Business Credit Card
7x on rideshare
$0 fee→
Capital One
Spark Cash Plus for Business
5% on hotels capital one travel
$150 fee→

Frequently asked questions

Does the Ink Business Preferred Credit Card have a foreign transaction fee?
No. The Chase Ink Business Preferred Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Ink Business Preferred Credit Card?
Approvals typically start around a FICO score of 690, but Chase prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Ink Business Preferred Credit Card signup bonus?
New cardholders earn 100,000 bonus points after spending $8,000 in the first few months. Fintiex values that at about $1,250 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Ink Business Preferred Credit Card have a 0% intro APR offer?
No. The Chase Ink Business Preferred Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 21.24% to 26.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Ink Business Preferred Credit Card?
$95 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Ink Business Preferred Credit Card worth it?
Fintiex rates the Chase Ink Business Preferred Credit Card 4.7 out of 5 for 2026. It is best for business and travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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