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Chase credit card

Chase Ink Business Preferred Credit Card

  • APR up · 17.74%17.99% · Oct 11, 2026

$95 a year. 100,000 points after you spend $8,000 in 3 months. Purchase APR 17.99–26.99%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

100,000 points

After you spend $8,000 on purchases in your first 3 months.

Spending it takes
$2,667 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

New cardmembers earn 100,000 bonus points after spending $8,000 on purchases in the first 3 months after account opening. The bonus may not be available to applicants who have ever had this card. Allow 6 to 8 weeks for the bonus to post.

  • Larger than about 95% of the 44 other points bonuses we track.

Who can get it: If you’ve ever had this card, you can’t get the bonus.

“The new cardmember bonus may not be available to you if you have ever had this card.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$25$25
Typical spender$240$240
Heavy spender$1,855$855
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 3x Shipping purchases; points valued at 1¢, the program's cash back value; welcome bonus needs $8,000 in 3 months.

$25a year

The same in the first year and after.

Rewards and credits$120

You keep $25−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 3x Shipping purchases; points valued at 1¢, the program's cash back value; welcome bonus needs $8,000 in 3 months.

$240a year

The same in the first year and after.

Rewards and credits$335

You keep $240−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 3x Shipping purchases; points valued at 1¢, the program's cash back value; welcome bonus needs $8,000 in 3 months.

$855a year

$1,855 the first year, with the welcome bonus.

Rewards and credits$950

You keep $855−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 3x Shipping purchases; points valued at 1¢, the program's cash back value.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Chase Ultimate Rewards

How you earn

5×
Qualifying Lyft products and services purchased through the Lyft mobile application, including rideshare, bike and scooter rides, and subscription and membership products; 5X points through 09/30/2027, until the first $150,000 is spent on combined purchases that earn 3 points in the rewards program
3×
Shipping purchasesAdvertising purchases made with social media sites and search enginesInternet, cable and phone servicesTravel
1×
Everything else

Points per dollar.

Benefits

  • DoorDash non-restaurant order discount: $10 monthly
  • Trip cancellation: Up to $5,000 per covered traveler and $10,000 per trip
  • Rental car: Up to $60,000
  • Cell phone: Up to $1,000 per claim; maximum of 3 claims in a 12-month period
  • Purchase protection: Up to $10,000 per item
All 6 benefits
  • Extended warranty: Up to four years from the date of purchase

Changes

17.74%17.99% since Oct 11Oct 11Today
  • Oct 11, 2026 APR 17.74%17.99%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had this card, you can’t get the bonus.

Questions

What is the annual fee?
$95 · chase.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · sites.chase.com, since Oct 11, 2026
What is the purchase APR?
17.99–26.99% APR · chase.com, since Oct 11, 2026
Is there a welcome bonus?
100,000 points after $8,000 in purchases in 3 months. · chase.com, since Sep 29, 2026
Apply on chase.comPartner offer: we may be paid if you apply