Ink Plus® Business
The Ink Plus® Business from Chase earns up to 2% effective value on gas in Madeen's catalog snapshot. Its annual fee is $95. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 2%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Ink Plus Business earn in each category?
Gas is the strongest category at 2% effective value (2x points at about 1 cents each). That gas rate ranks higher than about 22% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 2% effective value (2x points at about 1 cents each). That gas rate ranks higher than about 22% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 2x points | 2% Top category |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 1x points | 1% |
Madeen values Chase Ultimate Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Ink Plus Business reward caps and conditions?
The Ink Plus Business has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2 points per $1 on the first $50,000 spent in combined purchases each account anniversary year at: Gas stations, Hotel accommodations when purchased directly with the hotel Capped at $50000 per year.
Who should get the Ink Plus Business?
The Ink Plus Business fits spenders who put meaningful volume in gas and can earn 2x points. Best for spenders who put meaningful volume in gas and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Ink Plus Business fits spenders who put meaningful volume in gas and can earn 2x points. Madeen ranks its gas effective rate higher than about 22% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use Chase Ultimate Rewards the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 2% effective (2x points).
- No foreign transaction fee listed.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Chase Ultimate Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Ink Plus Business have an annual fee, and what's the welcome bonus?
The Ink Plus Business has an annual fee of $95 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $95
- Foreign transaction fee
- None
Common questions about the Ink Plus Business
Does the Ink Plus Business have an annual fee?
The Ink Plus Business carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Ink Plus Business?
Gas is the strongest Madeen category for the Ink Plus Business at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Ink Plus Business charge foreign transaction fees?
The Ink Plus Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Ink Plus Business annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Ink Plus Business?
Madeen's catalog lists a typical credit range of Excellent for the Ink Plus Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Ink Plus Business?
Rewards on the Ink Plus Business post as Chase Ultimate Rewards. Redemption value depends on how you use Chase Ultimate Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Ink Plus Business compare to similar cards?
Compare the Ink Plus Business against Disney Inspire Visa Card (3% on Gas, $149 fee); United Gateway℠ Card (2.4% on Gas, $0 fee); Aeroplan Card (4.5% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Ink Plus Business This card | Gas | 2% | $95 |
| Gas | 3% | $149 | |
Chase | Gas | 2.4% | $0 |
Chase | Dining | 4.5% | $95 |
| Travel | 4% | $795 |
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