Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. This site does not include every credit card available. Always verify terms with the card issuer before applying. Full disclosure
The Ink Business Preferred earns 3.0X on shipping, 3.0X on advertising, 3.0X on internet, 3.0X on travel, 1.0X on all_purchases with a $95 annual fee. The current signup bonus is 100,000 points (worth $1,000 at portal rates) after $8,000 spend. Points transfer 1:1 to airline and hotel partners.
The Ink Business Preferred is a points rewards card from Chase that carries a $95/yr on the visa network. At its core it earns 1.0X Ultimate Rewards on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Ink Business Preferred. Ultimate Rewards can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
Combined with the current signup offer of 100,000 points (worth ~$1,000), The $95/yr fee is the key variable — run the numbers against your actual spending. If the rewards and benefits offset the fee, this card earns its place in your wallet. If not, consider a comparable no-fee alternative.
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Signup Bonus Value
100,000 points Ultimate Rewards Points
Spend $8,000 in first 3 months
Cash / statement credit$1,000
Portal redemption (1.25¢/pt)$1,250
Maximum value$1,250
Benefits
Trip Cancellation/Interruption Insurance
$5,000
Primary Auto Rental Coverage
$60,000
Purchase Protection
$10,000
Extended Warranty Protection
Included
Cell Phone Protection
$1,000
Effective Annual Fee
Annual fee–$95
$100 Global Entry/TSA PreCheck Credit+$100
Net annual cost+$5 (you come out ahead)
Financial disclaimer: PointsPick is not a financial advisor. Credit card terms, APRs, and fees are set by Chase and subject to change. Verify all information on the issuer's website before applying.
You can apply for the Ink Business Preferred directly through Chase's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision. Note that the $95 annual fee is typically not charged until your first statement closes.
Before applying, check if you are pre-approved on Chase's website — a pre-approval uses a soft pull and does not affect your credit score.
For moderate spenders, generally yes. The Ink Business Preferred offers rewards and benefits that typically exceed the $95 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Ink Business Preferred?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Ink Business Preferred?
The current signup bonus is 100,000 points. Check the issuer's website for the latest offer details and spending requirements.
Does the Ink Business Preferred have a foreign transaction fee?
No. The Ink Business Preferred does not charge a foreign transaction fee, making it a good option for international purchases and travel abroad.
Can you transfer Ink Business Preferred points to airlines?
Yes. Ink Business Preferred points can be transferred to airline and hotel loyalty programs at various ratios. This is often the highest-value redemption option, yielding 1.5-2+ cents per point.
Ink Business Preferred vs Marriott Bonvoy Boundless: which is better?
Both cards compete in the same category. The Ink Business Preferred and Marriott Bonvoy Boundless each have strengths depending on your spending patterns. See our detailed comparison for a side-by-side analysis.
How to downgrade the Ink Business Preferred to avoid the annual fee?
Call Chase and ask to product-change the Ink Business Preferred to a no-annual-fee card in the same family. This preserves your credit history and credit limit. The best time to downgrade is within 30 days of your annual fee posting for a full refund.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on March 08, 2026. Full methodology: www.pointspick.com/methodology.
