Chase
Chase Ink Preferred Benefits, Credits & Annual Fee
$95 / yr · Earns Ultimate Rewards
A $95-per-year business card that earns 3X points on travel, shipping, internet, phone, and social media ads (up to $150,000 per year), plus valuable transfer partners. Best for small-business owners who want flexible rewards at a modest annual fee.
- 5xRideshare
- 3xTravel +5
$120/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 14, 2026
Chase Ink Preferred at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr
- Issuer:
- Chase
- Rewards:
- Ultimate Rewards
- Credits:
- 1 recurring, up to $120 a year
Chase Ink Preferred Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Rideshare | 5x | |
| Travel general | 3x | |
| Phone & internet | 3x | |
| Everything else | 1x |
Who Should Get the Chase Ink Preferred?
The Chase Ink Preferred fits people who spend most on rideshare (5x) and travel general (3x). Its $95 annual fee makes sense if the $120 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway. It is a business card.
Is the Chase Ink Preferred Worth the $95 Annual Fee?
The Chase Ink Preferred costs $95 a year. Creddy lists 1 trackable credit worth up to $120 a year if you use it, $25 more than the fee. You break even once you use about 79% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Chase Ink Preferred Welcome Bonus
- 100,000 Ultimate Rewards bonus points
$8,000 First 3 months from account opening The new cardmember bonus may not be available to you if you have ever had this card. We may also consider factors pertinent to your business in determining your bonus eligibility. 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.
Checked Oct 14, 2026Source
Offer history
- Usual
- 100K points
- Highest seen
- 100K points
Tracked since Oct 2024
Chase Ink Preferred Statement Credits and When They Reset
- DoorDash Grocery and Retail Monthly Credit$10 / moTrackableEnrollment required
Get up to $10 off per month on grocery and retail orders placed through DoorDash. You must first activate your complimentary DashPass membership for the credit to apply.
Resets: MonthlyChecked Sep 3, 2026
Chase Ink Preferred Travel Benefits
Travel Benefits
- Points Transfer to Airline and Hotel Partners
Transfer your Chase Ultimate Rewards points to over a dozen airline and hotel loyalty programs at a 1:1 ratio - one point becomes one mile or partner point. Programs include United MileagePlus, Southwest Rapid Rewards, World of Hyatt, and Marriott Bonvoy. Transfers are typically instant and cannot be undone.
Checked May 20, 2026
Rental Car
- Primary Auto Rental Collision Damage Waiver
Auto rental coverage reimburses up to $60,000 for covered theft or collision damage. Decline the rental company's collision insurance and charge the full rental cost to your card. Coverage is primary for business rentals and applies to most vehicles with an MSRP of $125,000 or less.
Checked Sep 26, 2026
Travel Insurance
- Trip Cancellation and Interruption Insurance
Covers pre-paid, non-refundable trip costs - including fares, hotels, and tours - if your trip is canceled or cut short by a covered reason like sickness or severe weather. Reimbursement is up to $5,000 per covered traveler and $10,000 per trip. Charge the travel purchase to your card to be eligible.
Checked Sep 26, 2026 - Trip Delay Insurance
If a common carrier delays your trip by more than 12 hours or forces an overnight stay, this benefit can cover unreimbursed costs like meals and lodging. Charge the ticket to your card to be eligible; reimbursement is capped at $500 per ticket and covers you and your family.
Checked May 20, 2026 - Baggage Delay Insurance
If your checked baggage is delayed, this benefit can reimburse you for essential items like clothing or toiletries while you wait. To be eligible, you must have booked the trip with your card. A minimum delay period applies before coverage kicks in, so keep your receipts.
Checked May 20, 2026 - Lost Luggage Reimbursement
If an airline or carrier loses or damages your luggage on a trip booked with this card, you can file a claim for reimbursement with the benefit administrator. Coverage extends to you and immediate family members traveling on the same itinerary.
Checked May 20, 2026 - Roadside Assistance
Provides access to a roadside dispatch service when you have a breakdown or roadside emergency. Call the service provider and they'll send help; the cost of the service is billed directly to your card.
Checked Oct 7, 2026 - Travel Accident Insurance
When you purchase a trip with this card, you and immediate family members on the same booking are covered by accidental death and dismemberment insurance. The benefit amount varies depending on the type of loss.
Checked May 20, 2026
More Chase Ink Preferred Card Benefits
Bonus Earnings
- 5X Points on Lyft Through September 20275x points
Pay for Lyft rides with this card and earn 5 points per $1 - that's 2 extra points on top of the standard 3X travel rate. This bonus applies to rideshare, bike and scooter rides, and Lyft subscriptions, and is available through September 30, 2027.
Checked Sep 26, 2026 - 3X Points on Travel, Shipping, Internet, Cable, Phone, and Social Media Advertising3x points
Earn 3 points per $1 on six key business categories: travel, shipping, internet service, cable, phone service, and social media/search advertising. The 3X rate applies to the first $150,000 in combined spending across these categories each account anniversary year; after that, purchases earn 1X.
Checked Sep 30, 2026 - 1x Base Points on All Other Purchases1x points
Earn 1 Ultimate Rewards point per $1 on all purchases that don't fall into a bonus category. There's no cap on how much you can earn.
Checked Sep 13, 2026 - Points Boost Travel Redemption Value
When redeeming Ultimate Rewards points for travel through Chase Travel, eligible Points Boost offers can increase the value of your points to up to 1.75 cents each - up to 75% more than a standard cash redemption. Log in to Chase Travel to see which flights, hotels, or packages qualify.
Checked May 20, 2026
Dining Benefits
- DashPass by DoorDash Complimentary AccessEnrollment required
Get complimentary DashPass membership, which unlocks $0 delivery fees and reduced service fees on eligible DoorDash orders. Activate your membership by December 31, 2027, to secure the benefit for a minimum of one year.
Checked Oct 7, 2026
Purchase Protection
- Cell Phone Protection
Covers your cell phones against theft or damage, up to $1,000 per claim. Pay your monthly cell phone bill with the card and all phones listed on that bill are covered. A $100 deductible applies per claim, with a maximum of 3 claims in any 12-month period.
Checked Sep 26, 2026 - Extended Warranty Protection
Adds one extra year to eligible U.S. manufacturer warranties of three years or less. Coverage extends up to four years from the original purchase date. Charge the item to your card to be eligible.
Checked Sep 26, 2026 - Purchase Damage and Theft Protection
Covers eligible new purchases against damage or theft for 120 days from the date of purchase, up to $10,000 per item. Charge the purchase to your card to be eligible.
Checked Sep 26, 2026
Fees & Miscellaneous
- Zero Liability Protection
You won't be held responsible for unauthorized transactions made with your card or account number. Report suspected fraud to Chase and the disputed charges will be covered, whether the misuse involved your physical card or just your account information.
Checked May 20, 2026 - Apple Ultimate Rewards Store
Use rewards points toward Apple products through the Ultimate Rewards store. Choose an Apple purchase there and apply points to pay for all or part of it. Check the points price in Ultimate Rewards before completing your order.
Checked Sep 26, 2026 - Cash Back Rewards Redemption
Redeem rewards points for cash back. Apply them as a statement credit toward your balance or deposit the cash into most U.S. checking or savings accounts through Ultimate Rewards. There is no minimum number of points required to redeem for cash back.
Checked Sep 26, 2026 - Employee Cards at No Extra Cost
Add employee cards to your account at no extra annual fee. All purchases made on employee cards earn rewards that flow back into your account, and you can set individual spending limits for each employee card to stay in control of business expenses.
Checked May 20, 2026 - Gift Card Rewards Redemption
Redeem your rewards points for gift cards from more than 150 brands. Browse available options in Ultimate Rewards, including hotels, office supply stores, and electronics retailers. Gift card selections and the points needed for each card can vary.
Checked Sep 26, 2026 - No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card for purchases made outside the United States.
Checked May 20, 2026
Chase Ink Preferred vs Other Chase Cards
- IHG Premier Business$99 / yr
- Southwest Rapid Rewards Plus Business$99 / yr
- Southwest Premier Business$149 / yr
- United Business$150 / yr
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Chase Ink Preferred FAQs
Is the Chase Ink Business Preferred worth the annual fee?
Compare Chase Ink Preferred's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Chase Ink Business Preferred?
Creddy's September 26, 2026 catalog lists DoorDash Grocery and Retail Monthly Credit for Chase Ink Preferred. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Chase. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Chase Ink Business Preferred?
Creddy's catalog lists a $95 annual fee for Chase Ink Preferred as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Chase before applying or renewing.
Does the Chase Ink Business Preferred come with a welcome bonus?
Welcome offers for Chase Ink Preferred can change and may depend on your application or account history. Check Chase's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Chase Ink Business Preferred?
Chase Ink Preferred may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Chase Ink Business Preferred compare to other Chase cards?
Compare Chase Ink Preferred with other Chase cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.