Ink Business Preferred®
The highest-rewards Chase Ink card for businesses with real spend in advertising, shipping, and telecom — a common profile for agencies and ecommerce sellers. Points transfer 1:1 to Chase's airline and hotel partners.
Ink Business Preferred® at a glance
Issued by Chase. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $95
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–24%
- Foreign transaction fee
- None
Rewards
3x points on travel, shipping, internet/cable/phone, and ads (up to $150k/yr combined)
Intro offer
Large points bonus after minimum spend in the first 3 months
Ink Business Preferred®'s annual fee vs. the cheapest and priciest cards on the marketplace
Ink Business Preferred® vs. similar Travel rewards
| Criterion | Ink Business Preferred® | Southwest® Rapid Rewards® Premier Business | CitiBusiness® / AAdvantage® Platinum Select® |
|---|---|---|---|
| Annual fee | $95 | $99 | $99 |
| Regular APR | Variable, ~19–24% | Variable, ~19–26% | Variable, ~19–27% |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Ink Business Preferred® charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +Strong 3x categories on real business costs
- +No foreign transaction fee
- +Rich travel protections
Cons
- −$95 annual fee
- −3x cap at $150,000/yr combined spend across bonus categories
Ink Business Preferred® has a $95 annual fee, requires good/excellent credit, and carries a Variable, ~19–24% regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses with heavy ad, shipping, or travel spend
We don't have a partnership with Chase — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.