Small business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) — the 3x category at $150k cap annually transfers to United at our 1.5 cpp benchmark for real value. Chase cut Ultimate Rewards → Hyatt transfers from 1:1 to 4:3 for this card (June 2026); United remains 1:1.

Not for

Sole proprietors with under ~$2,000/yr in the bonus categories (the $95 AF doesn't pencil) and businesses that aren't ready to maintain separate business credit reporting (Ink reports to commercial bureaus, which is the upside but also the discipline).

The catch

The $150k annual cap on 3x is generous, but the categories are narrowly defined — Google + Facebook ads count, Amazon ads don't always; FedEx/UPS shipping counts, in-store local courier doesn't. Audit the categories against your actual P&L before scoring AF math.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee: $95
Ongoing APR: 17.74% – 26.74% variable
Foreign transaction fee: None
Balance transfer fee: $5 or 5%
Late payment fee: Up to $40
Schumer Box sourced: July 26, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate17 / 20

Fee structure16 / 20

Audience fit17 / 20

Transparency and trust16 / 20

The weakness, named17 / 20

Total83 / 100 · Solid pick

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Frequently asked

Is the Chase Ink Business Preferred's $95 annual fee worth it?

The Chase Ink Business Preferred charges a $95 annual fee. In our review it earns a fees score of 16/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Small business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) — the 3x category at $150k cap annually transfers to United at our 1.5 cpp benchmark for real value. Chase cut Ultimate Rewards → Hyatt transfers from 1:1 to 4:3 for this card (June 2026); United remains 1:1.

What APR does the Chase Ink Business Preferred charge?

17.74% – 26.74% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Chase Ink Business Preferred charge foreign transaction fees?

No. The Chase Ink Business Preferred has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Chase Ink Business Preferred best for?

Who should skip the Chase Ink Business Preferred?

How did ClearValue score the Chase Ink Business Preferred?

Chase Ink Business Preferred scored 83/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Chase Ink Business Preferred

Other business cards we've scored, ranked by our methodology.

Compare the Chase Ink Business Preferred to

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.

Chase Ink Business Preferred83/100 · Solid pick

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