Card economics
Chase Ink Business Preferred
Ultimate Rewards points transfer to World of Hyatt at 4:3 on this card (1,000 points become 750 Hyatt points) starting October 1, 2026; most other Chase transfer partners stay 1:1. The optimizer values Ultimate Rewards with one blended transfer rate and does not model the Hyatt ratio separately.
Annual fee
$95/yr
Foreign transaction fee
None
Some links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| 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 |
| Transit | 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
Many cards cap bonus earn rates at a set spending amount per year, quarter, or month. After hitting the cap, you earn the lower base rate. The optimizer automatically routes overflow spend to other cards.| Category | Bonus rate | 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 |
| Transit | 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 cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$95/yr
Credits
-$0
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$95
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $120/yr ($10/mo) · monthly
Complimentary DashPass membership (min. 12 months if activated by 12/31/2027) plus a $10 off discount each calendar month at checkout on one qualifying non-restaurant order on DoorDash. It is a checkout discount, not a statement credit.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. 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.