Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card from Chase earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1%
- 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 Business Preferred Credit Card earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| 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.
Who should get the Ink Business Preferred Credit Card?
The Ink Business Preferred Credit Card fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Ink Business Preferred Credit Card fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% 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 dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $95 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining 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 dining at about 1% effective (1x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
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 Business Preferred Credit Card have an annual fee, and what's the welcome bonus?
The Ink Business Preferred Credit Card has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
What benefits come with the Ink Business Preferred Credit Card?
The Ink Business Preferred Credit Card includes 1:1 Points Transfer, Auto Rental Collision Damage Waiver, Auto Rental Coverage in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 1:1 Points Transfer
Transfer your Ultimate Rewards points to participating frequent travel programs at full 1:1 value ' that means one Chase Ultimate Rewards point equals one partner mile/point.
- Auto Rental Collision Damage WaiverIncluded with Visa Signature®
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
- Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Complimentary access to DashPass
Whether you're in need of a team lunch or office supplies, get complimentary access to DashPass with your Chase Ink Business Preferred card. Enjoy $0 delivery fees and reduced service fees on eligible orders for a minimum of one year, when you activate by December 31, 2027. Plus, as soon as you activate your membership, you'll receive up to $10 a month on grocery and retail DoorDash orders.
- Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- Lost Luggage ReimbursementIncluded with Visa Signature®
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Common questions about the Ink Business Preferred Credit Card
Does the Ink Business Preferred Credit Card have an annual fee?
The Ink Business Preferred Credit Card 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 Business Preferred Credit Card?
Dining is the strongest Madeen category for the Ink Business Preferred Credit Card at about 1% 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 Business Preferred Credit Card charge foreign transaction fees?
The Ink Business Preferred Credit Card 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.
What is the Ink Business Preferred Credit Card welcome bonus?
The Ink Business Preferred Credit Card welcome offer in our snapshot: 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Ink Business Preferred Credit Card annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining 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 Business Preferred Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Ink Business Preferred Credit Card. 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 does the Ink Business Preferred Credit Card compare to similar cards?
Compare the Ink Business Preferred Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 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 Business Preferred Credit Card This card | Dining | 1% | $95 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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