Chase
Ink Business Preferred® Credit Card
Key Features
| Annual Fee | $95.00 |
| Regular APR | 19.49Min. of (6.75+12.74) and 29.99%–25.49Min. of (6.75+18.74) and 29.99% variable APR. |
| Other Fees | No foreign transaction fees Employee cards at no additional cost |
About this card
The Ink Business Preferred card offers a solid value proposition for business owners despite its high APR. The generous rewards program, sign-up bonus, and travel perks outweigh the annual fee for businesses that can maximize the 3x bonus categories. The lack of foreign transaction fees is a significant benefit for international transactions. However, the high APR is a major drawback for those who carry a balance. Without a reputation rating, the overall rating leans towards the positive side considering the strong rewards and benefits, but the APR prevents it from reaching an 'excellent' rating. The card is best suited for businesses with good credit and the ability to pay balances in full each month.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Transfer partners
- Complimentary DashPass membership
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 90,000Strikethrough 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.
- 100,000 Bonus Points After You Spend $8,000 On Purchases In The First 3 Months From Account Opening:
Rewards
- Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.
- Earn unlimited 1 Point Per $1 spent on all other purchases. Points do not expire as long as your account is open.
- Earn a total of 5x points on Lyft rides through September 30, 2027 with your Chase Ink Preferred card.
Other features
- 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 non-restaurant DoorDash orders.
- Employee cards at no additional cost
- Employee cards let you set individual spending limits and help you earn rewards even faster.
- No foreign transaction fees
- Transfer your Chase 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.
- Trip Cancellation and Interruption Insurance
- If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, nonrefundable travel expenses, including passenger fares, tours, and hotels.
- Roadside Assistance
- If 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
- 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.
- Cell Phone Protection
- Get up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.
- Purchase Protection
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection
- Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Cash Back
- Redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. There are no minimums to redeem your Cash Back rewards points.
- Gift Cards
- Whether it's for yourself, your clients, or your employees – the choice of where to redeem your business rewards is yours. Chase offers over 150 of your favorite gift card brands, including hotels, office supply stores, electronics and more.
- Apple® Ultimate Rewards Store
- Boost office productivity with a technology refresh. Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.
- Manage your cash flow
- Make payments using a business credit card to hold onto your money longer.
- Build your business credit
- As your business grows, you'll need access to more capital. With Ink, your business builds its own credit history.
- Get insights into your business
- Chase Ink gives you 24/7 access to view account details, quarterly reports, up to 24 months of statement details, and more.
- Separate business and personal expenses
- Easily track expenses and maintain records for tax reporting and other business needs. Integrate your Chase Ink credit card with bookkeeping software to simplify accounting.
- Enjoy peace of mind
- Chase helps keep your accounts safe with account alerts. Choose the alerts you want and how you'd like to receive them.
Additional Notes
Chase Ink Business Preferred credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

