Ink Business Preferred Card
| Annual fee | $95 Fact |
| Foreign transaction fee | None |
| Rewards currency | Ultimate Rewards points |
| Est. point value | 2.05¢ Estimate |
Last updated Oct 23, 2026
Checked Oct 28, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 100,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Oct 2024 · 2.9 yr | 100,000 points Best | $15,000 |
| Oct 2024 to Apr 2026 · 18 mo | 90,000 points | $8,000 |
| Apr 2026 to now · 7 mo | 100,000 points Best | $8,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Transit and rideshare | 5x | points | No cap |
| Travel | 3x | points | $150,000/yr |
| Internet, cable and phone services | 3x | points | $150,000/yr |
| Advertising | 3x | points | $150,000/yr |
| Shipping | 3x | points | $150,000/yr |
| Everything else | 1x | points | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 5x | Earn a total of 5x points on qualifying Lyft rideshare, bike/scooter rides, and subscription products through September 30, 2027. |
Recurring credits
Estimated value| Receive up to $10 off monthly on one qualifying non-restaurant grocery/retail order on DoorDash after activating DashPass membership. Shared across the account
|
$120/yr (Monthly) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsTransfer Chase Ultimate Rewards points to participating airline and hotel loyalty programs, including World of Hyatt at a 4:3 ratio starting October 1, 2026.
Break up eligible credit card purchases of $100 or more into fixed, equal monthly payments with a fixed monthly fee instead of interest, with plan durations from 3 to 24 months.
Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Covers eligible new purchases for 120 days from purchase date against damage or theft, up to $10,000 per item.
Up to $1,000 per claim for covered theft or damage to cell phones listed on your monthly bill paid with the card; max 3 claims per 12 months, $100 deductible per claim.
Primary coverage for business rentals providing reimbursement up to $60,000 for theft and collision damage on most rental vehicles with MSRP of $125,000 or less.
Roadside emergency dispatch service available; fees billed to card at time of dispatch.
Reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short due to covered reasons.
Add employee cards at no additional cost, with ability to set individual spending limits and earn rewards faster.
Earn 40,000 bonus points for each business that gets approved for any Chase for Business credit card, up to 200,000 points per year.
Employee cards on the Ink Business Preferred
Card factsEmployee cards are free.
Each employee card gets
- Auto rental coverage
- Cell phone protection
- Complimentary DashPass membership
- Extended warranty protection
- Purchase protection
- Roadside assistance
- Trip cancellation and interruption insurance
Shared across the account
- Up to 10 monthly DoorDash discount
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.