Chase
Chase Ink Business Plus
Ongoing benefits can outweigh the annual fee if used
- Annual fee
- $95
- Welcome offer
- —
- Annual benefits value
- $505
- Est. 1st-year value
- $505
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Our review
The Chase Ink Business Plus is an older business card in the Chase Ink family that earns Chase Ultimate Rewards. It is generally no longer available for new applications, but existing cardholders retain their accounts and benefits, so this review focuses on what current holders can expect.
Because the card is closed to new applicants, it does not rank against currently available cards in the same way. For existing cardholders, its value depends on how it fits alongside other Chase Ultimate Rewards cards in their wallet.
The card earns Ultimate Rewards points that can be combined with other eligible Chase cards, which means holders of a Sapphire or Ink Business Preferred card can pool points and transfer them to travel partners for potentially higher value.
We like that the card continues to provide useful protections for existing holders, including cell phone protection and purchase protection, without requiring a premium annual fee.
This card is best understood as a legacy product. Current cardholders should evaluate whether its annual fee is justified by their ongoing benefits, and consider whether a currently available Ink card would serve them better.
Why we like it
- Earns Chase Ultimate Rewards points that can be combined with other eligible Chase cards to unlock transfer-partner value.
- Cell phone protection when you pay your monthly bill with the card, subject to a per-claim limit, a deductible, and an annual claim cap.
- Purchase protection that covers eligible new purchases against damage or theft for a limited window, subject to per-claim limits.
Who it's best for
- Existing cardholders who already hold the card and want to keep pooling points with other Chase cards.
- Business owners who value the card's protections and do not need premium travel perks.
Welcome bonus
This card is generally no longer open to new applicants, so there is no current welcome bonus to evaluate. Existing cardholders should focus on the ongoing value of their account rather than a sign-up offer.
Using your rewards
Points earned on this card are Chase Ultimate Rewards and can be combined with other eligible Chase cards, then transferred to airline and hotel partners or redeemed for travel through Chase Travel.
Current Chase transfer partners include World of Hyatt, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards, United MileagePlus, Southwest Rapid Rewards, JetBlue TrueBlue, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, Iberia Plus, Aer Lingus AerClub, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer.
Transfer value is generally strongest when points are pooled with a Sapphire or Ink Business Preferred card that has access to the full partner lineup.
Airport lounge access
No. The Chase Ink Business Plus does not include airport lounge access.
Foreign transaction fees
Because this card is a legacy product that is generally closed to new applicants, its current foreign transaction fee terms are not clearly disclosed in ways that are easy to verify. Existing cardholders should check their own cardmember agreement for the applicable terms before using the card abroad.
Major credits & annual benefits
The card does not carry a package of recurring statement credits. Its ongoing value comes mainly from points earning and its protections.
Cell phone protection is the most notable recurring benefit, subject to a per-claim limit, a deductible, and a cap on claims per year.
Insurance & protections
The card generally includes cell phone protection and purchase protection for eligible purchases.
These benefits typically require paying with the card and are subject to limits, exclusions, and claim procedures. Existing cardholders should review their current benefit guide for exact terms.
Fees & tradeoffs
The card carries a modest annual fee. For existing holders, the main question is whether the protections and points earning justify keeping it, or whether a currently available Ink card would be a better fit.
Since the product is closed to new applicants, prospective cardholders should look at the current Ink lineup instead.
Final verdict
The Chase Ink Business Plus is a legacy card that still has value for existing holders, primarily as a source of combinable Ultimate Rewards points and useful protections.
Anyone shopping for a new business card should instead consider the Ink Business Preferred for travel rewards, or an Ink cash-back card for simpler earning.
Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.
Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $600
- Welcome offer
- $0
- Annual fee
- −$95
- Estimated first-year net
- +$505
Welcome offer
Welcome offer value
No current welcome offer
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$600
| Benefit | Frequency | Est. annual value |
|---|---|---|
Cell Phone Protection Up to $600 per claim (3 claims/year, $100 deductible) for cell phone damage or theft when you pay your monthly bill with this card. | Annual | $600 |
Purchase Protection Covers new purchases for 120 days against damage or theft, up to $10,000 per claim. | Annual | $0 |
Earning rates
Who it's for
Consider it if
- Ongoing benefits can outweigh the annual fee if used
- Points transfer to travel partners
Maybe skip it if
- Best value requires learning transfer partners
Fees & details
- Annual fee
- $95
- Foreign transaction fee
- Varies
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Chase Ultimate Rewards
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $95 | $895 | $895 |
|---|---|---|---|
| Welcome offer | — | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $505 | $5,160.40 | $4,684 |
| Annual benefits value | $505 | $2,160.40 | $1,684 |
| Editor rating | 4.0 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
