Card economics
Chase Ink Business Preferred
Annual fee
$95/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Flights outside issuer portals | 3xUp to $150,000/yr shared, then 1x |
| Delta Airfare | 3xUp to $150,000/yr shared, then 1x |
| United Airfare | 3xUp to $150,000/yr shared, then 1x |
| Southwest Airfare | 3xUp to $150,000/yr shared, then 1x |
| Hotels outside issuer portals | 3xUp to $150,000/yr shared, then 1x |
| Hilton Properties | 3xUp to $150,000/yr shared, then 1x |
| Marriott Properties | 3xUp to $150,000/yr shared, then 1x |
| Hyatt Properties | 3xUp to $150,000/yr shared, then 1x |
| IHG Properties | 3xUp to $150,000/yr shared, then 1x |
| Other travel outside issuer portals | 3xUp to $150,000/yr shared, then 1x |
| Travel - Car Rentals / Agencies / Cruises | 3xUp to $150,000/yr shared, then 1x |
| Travel - Vacation Homes | 3xUp to $150,000/yr shared, then 1x |
| Internet / cable | 3xUp to $150,000/yr shared, then 1x |
| Wireless / cell phone | 3xUp to $150,000/yr shared, then 1x |
| Shipping Services | 3xUp to $150,000/yr shared, then 1x |
| Social / Search Ads | 3xUp to $150,000/yr shared, then 1x |
| Tours & Activities (booked direct) | 3xUp to $150,000/yr shared, then 1x |
| Chase Travel - Flights | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Chase Travel - Hotels | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Chase Travel - Rental Cars / Activities | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Amex Travel - Flights | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Amex Travel - Hotels | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Amex Travel - Car Rentals / Cruises | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Bilt Travel - Flights | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Bilt Travel - Hotels | 3xPortal onlyUp to $150,000/yr shared, then 1x |
| Everything else | 1xBase rate |
Transfer partners: Chase Ultimate Rewards
Spending caps
| Category | Bonus rate | Annual cap |
|---|---|---|
| Flights outside issuer portals | 3x | $150,000/yrThen 1x |
| Delta Airfare | 3x | $150,000/yrThen 1x |
| United Airfare | 3x | $150,000/yrThen 1x |
| Southwest Airfare | 3x | $150,000/yrThen 1x |
| Hotels outside issuer portals | 3x | $150,000/yrThen 1x |
| Hilton Properties | 3x | $150,000/yrThen 1x |
| Marriott Properties | 3x | $150,000/yrThen 1x |
| Hyatt Properties | 3x | $150,000/yrThen 1x |
| IHG Properties | 3x | $150,000/yrThen 1x |
| Other travel outside issuer portals | 3x | $150,000/yrThen 1x |
| Travel - Car Rentals / Agencies / Cruises | 3x | $150,000/yrThen 1x |
| Travel - Vacation Homes | 3x | $150,000/yrThen 1x |
| Tours & Activities (booked direct) | 3x | $150,000/yrThen 1x |
| Internet / cable | 3x | $150,000/yrThen 1x |
| Wireless / cell phone | 3x | $150,000/yrThen 1x |
| Shipping Services | 3x | $150,000/yrThen 1x |
| Social / Search Ads | 3x | $150,000/yrThen 1x |
| Chase Travel - Flights | 3x | $150,000/yrThen 1x |
| Chase Travel - Hotels | 3x | $150,000/yrThen 1x |
| Chase Travel - Rental Cars / Activities | 3x | $150,000/yrThen 1x |
| Amex Travel - Flights | 3x | $150,000/yrThen 1x |
| Amex Travel - Hotels | 3x | $150,000/yrThen 1x |
| Amex Travel - Car Rentals / Cruises | 3x | $150,000/yrThen 1x |
| Bilt Travel - Flights | 3x | $150,000/yrThen 1x |
| Bilt Travel - Hotels | 3x | $150,000/yrThen 1x |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Fee calculator
Sticker Fee
$95/yr
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Chase Ink Business Preferred might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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