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Chase Ink Business Preferred: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 73.1% across 78 cards. Issuer page ↗

Downsides first

• $95 annual fee
• 3x on travel, shipping, internet/cable/phone, ads (combined $150k/yr).

Terms & fees

• IssuerChase
• Typebusiness
• Annual fee$95 creditcards.chase.com, 2026-10-12
• Regular purchase APR17.99%–26.99% variable creditcards.chase.com, 2026-10-12
• Rewards1% base; 3% travel (to $150,000/yr); 3% utilities (to $150,000/yr) creditcards.chase.com, 2026-10-12
• Sign-up bonus (≈$)$1,000 100,000 bonus points (valued at 1¢) creditcards.chase.com, 2026-10-12
• Intro APRnone No intro APR shown creditcards.chase.com, 2026-10-12
• Foreign transaction feenone creditcards.chase.com, 2026-10-12
• Penalty APRnot found consumerfinance.gov, 2026-10-12
• Late feenot found files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance feenot found files.consumerfinance.gov, 2025-12-31
• Credit needednot found creditcards.chase.com, 2026-10-12
• Grace periodnot found
• Cash advance APRnot found

Complaint record (CFPB)

• Complaints, last 12 months26,196
• Trend▲ 14.2% (last 12 mo 26,196 vs prior 12 mo 22,932)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)9.29
• Top issueManaging an account
• Insurance statusFDIC-insured: JPMorgan Chase Bank, National Association (cert 628, active; deposits $2,820.3B as of 06/30/2026)

Company-level (JPMORGAN CHASE & CO.), all products, as of 2026-10-12. Chase (JPMorgan Chase) complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 8.0/10Annual fee $95 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 5.0/10Base 1% on everything, top category 3% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1% base; 3% travel (to $150,000/yr); 3% utilities (to $150,000/yr)
• Sign-up bonus 10/10Bonus ≈ $1000: 100,000 bonus points (valued at 1¢) (as of 2026-10-12). Score = value/$75, max 10.
• Intro 0% APR 0.0/10No intro APR shown (as of 2026-10-12). Score = months/21×10.
• Regular APR 8.2/1017.99%–26.99% variable (as of 2026-10-12); midpoint 22.49%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2026-10-12).
• Regulatory record (CFPB) 10.0/10Issuer Chase: Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement action against JPMorgan Chase found in the last 5 years (CFPB enforcement database lists a 2017 action)

0.143×8.0 + 0.143×5.0 + 0.143×10 + 0.143×0.0 + 0.143×8.2 + 0.143×10.0 + 0.143×10.0 = 7.32 → 73.1%

Is Chase Ink Business Preferred worth it? (break-even math) →Value for my spending →

Compare with

Chase Ink Business Preferred vs Chase Ink Business Unlimited · Chase Ink Business Preferred vs Chase Ink Business Cash · Chase Ink Business Preferred vs Capital One Spark Cash Plus · Chase Ink Business Preferred vs Amex Blue Business Plus

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FAQ

What is the Chase Ink Business Preferred annual fee?

$95

What is the Chase Ink Business Preferred APR?

17.99%–26.99% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.