Ink Business Preferred Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
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 $8,000 spend. Points transfer 1:1 to airline and hotel partners.
4.0/5
Overall
4.6/5
Rewards
4.0/5
Benefits
3.0/5
Value
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| shipping | 3X pts/$ | 3.75¢ | Varies |
| advertising | 3X pts/$ | 3.75¢ | Varies |
| internet | 3X pts/$ | 3.75¢ | Varies |
| travel | 3X pts/$ | 3.75¢ | Varies |
| all_purchases | 1X pts/$ | 1.25¢ | Varies |
| Everything Else | 1X pts/$ | 1.25¢ | All |
Check MCCMCC Lookup Tool
Signup Bonus Value
100,000 points CHASE 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
Net annual cost–$95 effective cost
Financial disclaimer: CardStack 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.
Strengths and Weaknesses
Strengths
- Signup bonus worth up to $1,250
- 3X top earn rate on bonus categories
- 1:1 transfer to airline and hotel partners
- No foreign transaction fees
- Low annual fee with strong return on value
Weaknesses
- $95 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
Point Maximizers
Transfer partners unlock premium redemption value
International Travelers
No foreign transaction fees
Value Seekers
Strong rewards relative to $95 fee
Frequent Travelers
Bonus earning on travel purchases
Frequently Asked Questions
Is the Ink Business Preferred worth $95/year?
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.
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 February 16, 2026. Full methodology: cardstack.co/methodology.