Ink Business Preferred by Chase: 3X travel, shipping, ads. $95 annual fee. 100,000-point welcome bonus. Rates and credits verified from issuer pages.
The Ink Business Preferred is Chase's mid-tier credit card. The $95/yr annual fee includes a 100,000-point welcome bonus after spending $8,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| DoorDash non-restaurant credit | $120/mo | Up to $10/mo ($120/yr) on non-restaurant DoorDash orders; requires activating complimentary DashPass membership. Benefits end 12/31/27 |
Welcome bonus value (year one): ~$2000. Annual statement credits: $120. Minus the $95 annual fee = ~$2025 in year-one net value before any spending earn.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
100,000 points after spending $8,000 in the first 3 months. At our ~2¢/pt valuation, that's roughly $2000 in real value.
Year-one math: welcome bonus value (~$2000) + annual credits ($120) − $95 fee = ~$2025 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
1 recurring statement credit: DoorDash non-restaurant credit ($120/mo). Total: $120/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.