Ink Business Preferred® Credit Card
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How we calculate effective rate →
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..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $95
Worth a look for dining spend if you need a business card and can use Chase Ultimate Rewards the way you redeem today. 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.
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 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ink Business Preferred Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
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 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ink Business Preferred Credit Card compares across dining, grocery, gas, travel, and other spend.
| 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.
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.
What is the Ink Business Preferred Credit Card welcome bonus?
In Madeen's catalog snapshot, the Ink Business Preferred Credit Card welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- 100k Chase Ultimate Rewards (~$1000 estimated)
- Terms (catalog snapshot)
- 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
- Minimum spend
- $8,000
- Window
- 3Months
Does the Ink Business Preferred Credit Card have an annual fee?
The Ink Business Preferred Credit Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Roadside Assistance
$50/yrIf you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
Auto Rental Coverage
$25/yrDecline 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.
Complimentary access to DashPass
$25/yrWhether 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.
Auto Rental Collision Damage Waiver
$10/yr(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.
Golf Benefits from Troon Rewards®
$10/yrEnjoy 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.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Related encyclopedia topics
Common questions about the Ink Business Preferred Credit Card
Where do cardholders spend most with the Ink Business Preferred Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on general services postage and shipping (3x), internet and cable (3x), telephone (3x) for the Ink Business Preferred Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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); Chase Sapphire Preferred Credit Card (3% on Dining, $95 fee); AARP (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 |
| Dining | 4.5% | $95 | |
| Dining | 3% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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