The Chase Ink Business Preferred has a $95 annual fee, a 100,000-point welcome bonus after $8,000 in 3 months, 3X on travel/shipping/advertising, and a $120 DoorDash credit. Here's the honest math on whether it's worth it.
TL;DR
- The Ink Business Preferred has a $95 annual fee and a 100,000-point welcome bonus after $8,000 in spend within 3 months — one of the biggest business-card bonuses out there.
- Earns 3X on travel, shipping, internet/cable/phone, and advertising (social + search ads), on the first $150,000 in combined spend each year.
- Comes with a $120/year DoorDash credit on non-restaurant purchases.
- Points are Chase Ultimate Rewards — transferable to Chase's travel partners.
- Worth it if your business spends in those 3X categories or you just want a big transferable-points haul for $95.
Chase's Ink Business Preferred is the business card most points-and-miles people point newcomers to, and the math makes it easy to see why. For a $95 annual fee you get a 100,000-point welcome bonus and 3X earning in the categories businesses actually spend in.
100,000 points after $8,000 in purchases within the first 3 months. A business already running about $2,700 a month through a card hits that automatically. These are Chase Ultimate Rewards points, which transfer to Chase's airline and hotel partners — so the real value depends on how you redeem. If you bank Chase points, our best Chase cards for Hyatt redemptions guide shows where they stretch furthest.
The advertising category is the standout. If your business buys Google or Meta ads, this is one of the few cards that earns 3X on that spend, up to the cap.
The card carries a $120/year DoorDash credit on non-restaurant purchases (grocery, convenience, and retail orders through DoorDash). On a $95 card, that one credit more than covers the fee if you'd use DoorDash anyway.
For most small businesses, yes. The welcome bonus alone dwarfs the fee in year one, and the $120 DoorDash credit covers it outright if you use it. The ongoing case rests on the 3X categories: a business with real travel, shipping, or ad spend earns the $95 back many times over. Pair it with a personal Chase card and your points pool together — see the Chase Trifecta guide for how that works.
What is the Ink Business Preferred welcome bonus? 100,000 Chase Ultimate Rewards points after $8,000 in purchases within 3 months of opening.
What is the annual fee? $95.
What does it earn? 3X on travel, shipping, internet/cable/phone services, and advertising with social media and search engines, on the first $150,000 in combined spend per year.
Does it have any statement credits? Yes — a $120/year DoorDash credit on non-restaurant purchases.