Chase Ink Business Preferred Card Point Calculator

Card Details & Chase Point Calculator
3x Points on the First $150,000 In Combined Purchases Per Year
5X Lyft
3X Travel
3X Shipping
3X Internet
3X Cable
3X Phone Services
3X Advertising
25%+ Travel Redemption

Calculate total Ultimate Rewards Points and the cash value of the Chase Ink Business Preferred Card based on monthly/yearly spend, benefits, and fees. Compare the results side by side any credit card including the Ink Business Cash and Sapphire Cards.

Shipping, internet, and advertisement spending are just some of the great business oriented bonus categories that will rake in Ultimate Rewards Points when using the Chase Ink Business Preferred Card. On top of that, points redeemed through the Chase Travel Portal will receive a 25% boost to value which gives you an easy way to get at least 1.25 cents per point. For anyone looking to earn some serious points or perfect the Chase Trifecta of cards, this is a card worth considering.

Bonus Categories

The Chase Ink Business Preferred Card features seven bonus categories which are Lyft, travel, shipping, internet, cable, phone, and advertising. All of the categories, except Lyft, have a combined spend cap of $150,000. Once this cap is hit, all of the categories will earn at the non-category rate for the remainder of the calendar year.

  • 5x Lyft
    • This card and all other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 3x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
    • Part of the $150,000 combined cap between the other non-Lyft categories.
  • 3x Shipping
    • Chase considers shipping as merchants that specialize in mailing packages, hauling freight, and transporting goods or documents such as:
      • Couriers such as FedEx, UPS, and USPS
      • Postal and Freight Shipping Companies
      • Express Shipping Services
      • Mailbox Stores
  • 3x Internet
  • 3x Cable Services
    • Includes satellite television.
  • 3x Phone Services
    • Includes:
      • Radio
      • Cellular
      • Wireless Data
      • Landline Services
  • 3x Advertising
    • Applies to social media and search engine advertising such as:
      • Facebook
      • Twitter
      • Google Ads (formerly AdWords)
      • Microsoft Bing Ads
  • 1x Non-Category

Perks & Benefits

The Chase Ink Business Preferred features a point boost benefit for redemptions on the Chase Travel Portal. Outside of that, you'll receive the standard great benefits that Chase credit cards offer.

  • 25% Point Value Boost
    • You'll receive a 25% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.25 cents for portal redemptions.
    • The same point boost is offered on the Chase Sapphire Preferred Card and a higher boost of 50% is offered on the Chase Sapphire Reserve.
  • Insurance and Purchase Protections
    • Trip Cancellation/Trip Interruption Insurance
    • Roadside Dispatch
    • Auto Rental Collision Damage Waiver
    • Cell Phone Protection
    • Purchase Protection
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The standard Ink Business Preferred Card sign up bonus is 80,000 Ultimate Rewards Points which is the highest out of the available Ultimate Rewards credit cards. With points being worth 1.25 cents each on the Chase Travel Portal, this is worth an easy $1,000. You can also transfer these points to Chase's airline and hotel partners for an easy 80,000 airline miles or 80,000 hotel rewards points.

If you have the Chase Sapphire Reserve Card, you can redeem this sign up bonus for $1,200 thanks to the higher 50% point boost the Reserve has.

Promotional sign up bonuses for the Chase Ink Business Preferred can reach as high as 100,000 points.


Annual Fee

The annual fee for the Chase Ink Business Preferred Card is $95. Since the card has no annual credits or benefits specific to the card itself, the only determination on whether or not the card is worth it will be how much spend you run through the card and how much you value Ultimate Rewards Points.

Authorized User Fee

There is no fee to add authorized users to the Chase Ink Business Preferred Card. I highly recommend adding employees (or friends/family) to the Ink card in order to push you closer to reaching the capped bonus amount of $150,000 in combined spending on the 3x categories.

Foreign Transaction Fee

The Chase Ink Business Preferred Card has a 0% foreign transaction fee. That makes this card a great choice if you're looking to earn Ultimate Rewards Points on purchases worldwide including international spend.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recommended Reads