Ink Plus® Business
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How we calculate effective rate →
The Ink Plus® Business from Chase earns up to 2% effective value on gas in Madeen's catalog snapshot. Its annual fee is $95.
- Top category
- Gas
- Effective value
- 2%
- Annual fee
- $95
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in gas and can earn 2% back.
What does the Ink Plus Business earn in each category?
Gas is the strongest category at 2% effective value (2% back). That gas rate ranks higher than about 56% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Ink Plus Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight office supplies at 5x among the top.
Gas is the strongest category at 2% effective value (2% back). That gas rate ranks higher than about 56% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Ink Plus Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 2% back | 2% Top category |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Ink Plus Business reward caps and conditions?
The Ink Plus Business has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 points per $1 on the first $50,000 spent in combined purchases each account anniversary year at: Gas stations, Hotel accommodations when purchased directly with the hotel Capped at $50000 per year.
Who should get the Ink Plus Business?
The Ink Plus Business fits spenders who put meaningful volume in gas and can earn 2% back. Best for spenders who put meaningful volume in gas and can earn 2% back.
Ink Plus Business fits spenders who put meaningful volume in gas and can earn 2% back. Madeen ranks its gas effective rate higher than about 56% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is gas at about 2% effective (2% back).
- No foreign transaction fee listed.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Business card — rewards and liability rules differ from consumer cards.
Does the Ink Plus Business have an annual fee?
The Ink Plus Business has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Ink Plus Business
Where do cardholders spend most with the Ink Plus Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on office supplies (5x), internet and cable (5x), telephone (5x) for the Ink Plus Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Ink Plus Business have an annual fee?
The Ink Plus Business carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Ink Plus Business?
Gas is the strongest Madeen category for the Ink Plus Business at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Ink Plus Business charge foreign transaction fees?
The Ink Plus Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Ink Plus Business annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Ink Plus Business?
Madeen's catalog lists a typical credit range of Excellent for the Ink Plus Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Ink Plus Business compare to similar cards?
Compare the Ink Plus Business against Disney Inspire Visa Card (3% on Gas, $149 fee); United Gateway℠ Card (2.4% on Gas, $0 fee); Aeroplan Card (4.5% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Ink Plus Business This card | Gas | 2% | $95 |
| Gas | 3% | $149 | |
Chase | Gas | 2.4% | $0 |
| Dining | 4.5% | $95 | |
| Travel | 4% | $795 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure