Chase Ink Business Preferred
Chase, Visa, $95 annual fee. Earns Chase Ultimate Rewards, valued at 2.00¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: Uber and Lyft (#1, $6.00 per $100); public transit (#1, $6.00 per $100); parking and tolls (#1, $6.00 per $100).
- A year's rewards: about $685, or $590 after the fee.
Is the annual fee worth it?
It earns about $685 a year on the illustrative household's spending, which is $590 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $468 a year behind. Below about $15,477 a month of spending, the free card comes out ahead instead.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental, Public Transit, Rideshare & Taxis, Parking & Tolls, Phone & Internet | 3x | Up to $150,000 per year, then the base rate. Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising |
| Everything else | 1x |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #1 of 117 for Uber and Lyft — $6.00 per $100
- #1 of 117 for public transit — $6.00 per $100
- #1 of 117 for parking and tolls — $6.00 per $100
- #1 of 117 for car rentals — $6.00 per $100
- #2 of 117 for Airbnb and vacation rentals — $6.00 per $100
- #2 of 117 for phone and internet bills — $6.00 per $100
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $120 |
| Everything Else | $120 |
| Phone & Internet | $86 |
| Restaurants & Bars | $72 |
| Flights | $72 |
| Hotels | $54 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- 3x also on shipping and on social media and search engine advertising, within the same $150,000 a year
- Transfers points 1:1 to airline and hotel partners, and unlocks transfers for the no-fee Ink and Freedom cards
Similar cards
- American Express Amex EveryDay Preferred — annual fee $95 a year
- Wells Fargo Autograph Journey — annual fee $95 a year
- Bilt Obsidian Card — annual fee $95 a year
- American Express Business Green Rewards Card — annual fee $95 a year
- Every travel card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.