Business card · Chase · Flexible points · Visa

Chase Ink Business Preferred: what it's really worth

The Chase Ink Business Preferred has a $95 annual fee. For a typical household spending $2,070 a month, it's worth about $342 in year one and $342 each year after.

Annual fee$95

Sign-up bonus$1,500100,000 points after $8,000 in 3 mo

Net value · year 1$342

Net value · each year after$342

The bonus needs about $2,667 a month of spending — more than the typical $2,070 — so it isn't counted in the year-one value above.

Calculate it with your own spending

Is the annual fee worth it?

Probably not worth the fee after year one for typical spending: the no-fee Hilton Honors Card would net about $163 a year more. It can still make sense if you spend more in its bonus categories or use more of its credits.

How you earn

Category	Rate	Value per $1	Per year*
Dining	1x	1.5¢	$54
Groceries	1x	1.5¢	$90
Hotels	3x	4.5¢	$43
Flights	3x	4.5¢	$54
Gas	1x	1.5¢	$27
Streaming	1x	1.5¢	$7
Everything else	1x	1.5¢	$162

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 3x on the first $150K a year combined on travel, shipping, internet, cable and phone, and social media and search ads.

Credits and perks

Cell phone protection
Purchase protection
Foreign transaction fee: none

Who it's for

Small businesses that spend on travel, ads, shipping or phone bills
The biggest Chase points bonus
Not ideal: Anyone who can't put $8,000 on the card in 3 months

Can I get it?

Recommended credit: Good
Business card: you apply as a business owner. Freelancers and sole proprietors can usually apply with their own name and Social Security number.
Chase rules: 5/24: usually denied if you've opened 5+ personal cards (any bank) in the last 24 months. The bonus may be unavailable if you've had this card before.
Visa: Accepted almost everywhere, including Costco warehouses (Visa only).

Check the current offer at Chase

Updated Nov 4, 2026.