How to Find the 100,000 Welcome Offer for the Ink Business Preferred Credit Card [2021]

BY 

Jarrod West

- UPDATED: January 11, 2021

1. Business Owners  / 
2. Credit Cards  / 
3. Strategies & Guides

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For UP's rating and in-depth analysis, see our Ink Business Preferred® Credit Card review.

The Ink Business Preferred® Credit Card is one of the top business credit cards on the market due to its stellar earning potential, great perks, and high welcome offer.

Fortunately, it is possible for new applicants to receive a bonus that is even higher than the already fantastic 80,000-point offer.

So how can you find this elusive offer? In this post, you’ll find all the information you need to apply for the Ink Business Preferred.

HOT TIPAs of March 17, 2020, there’s no need to look for a targeted offer for the 100,000 bonus points or head into your local branch (especially during these times) because there’s currently a 100,000 bonus points, after spending $15,000 on purchases in the first three months. Here’s the application link on Chase.com

Benefits of the Ink Business Preferred

Let’s take a quick look at some of the benefits of the Ink Business Preferred card, so you can get an idea of why the card might be a great fit for you in the first place.

Key Benefits

• Earn 3x Ultimate Rewards points on the first $150,000 spent across these categories per year: travel, shipping, internet, cable, phone, and advertising on social media and search engines.
• Cell Phone Protection: When you charge your monthly cell phone bill to the card, you and eligible employees on the plan receive up to $600 per claim for damage or theft of cell phones.
• Trip Cancellation/Interruption Insurance: If you cancel or cut a trip short due to a covered issue (like illness or severe weather), you’re eligible for up to $5,000 of coverage for prepaid, nonrefundable travel expenses.
• Trip Delay Reimbursement: If a trip is delayed for 12 or more hours, or long enough to require an overnight stay, you’ll be eligible for reimbursement of up to $500 per ticket in reasonable expenses.
• Purchase Protection: Covers your new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection: Extends the time period of a U.S. manufacturer’s warranty by an additional year.
• Primary Rental Car Coverage: Keeps your rental car covered for theft and damage in the U.S. and most countries around the world.

It is no secret that Chase Ultimate Reward points are some of the most valuable loyalty points out there, and Ink Business Preferred cardholders can get even more value by receiving a 25% bonus in point value when booking through the Chase Ultimate Reward travel portal.

The possibilities don’t stop there — you can unlock even more value by transferring your points to one of the various Chase airline and hotel transfer partners!

How to Find the 100,000 Welcome Bonus for the Ink Business Preferred Card

The standard welcome bonus offer for the Ink Business Preferred card is 80,000 Chase Ultimate Rewards points, which is already a huge welcome bonus!

But being targeted for the 100,000-point bonus offer represents a 25% increase, providing you even more value.

Here is the current (public) offer the Ink Business Preferred card:

Chase Card

Benefits & Info

Ink Business Preferred® Credit Card Apply Now (at Chase's secure site)

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months. UP's Bonus Valuation: $2,000* Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn 25% more value when redeeming points through Ultimate Rewards® travel Annual Fee: $95 Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite of Chase's business credit cards. *This bonus value is an estimated valuation calculated by UP and not the card issuer.

There are 2 main ways to find your 100,000-point Welcome Bonus for the Ink Business Preferred card:

1. Apply in-branch at a Chase Bank with a Chase Business Relationship Manager (BRM)
2. Get a targeted mailing

Update — March 17, 2020: Right now, there’s no need to look for a targeted offer for the 100,000 bonus points or head into your local branch (especially during these times) because there’s current a Limited Time Offer of 100,000 bonus points after spending $15,000 on purchases in the first three months that is currently live. Here’s the application link on Chase.com

Applying in a Branch With a BRM

If you’re like most people, you’ve probably never applied for a credit card at the bank before. Nowadays, virtually all aspects of your banking needs can be handled online.

But if you want a chance at the 100,000-point Ink Business Preferred card welcome bonus, you’re going to need to visit your nearest Chase Bank.

Step 1: Find a Chase Branch in Your Area With a BRM

To get the 100k offer, you’ll need to meet with a BRM so they can check to see if you’re eligible to receive the targeted offer — and there isn’t one at every branch.

You can use Chase’s branch locator to get the phone numbers for your nearest branches, and then start calling. Ask if there’s a BRM you can speak to each time until you find one.

Hot Tip: Some BRMs swap locations throughout the week, so if the BRM isn’t in when you call, set an appointment for the next day they’re scheduled to be at that branch. 

Step 2: Meet With the BRM and Inquire About the Offer

When you meet with the BRM during your appointment, they’ll run through all the benefits of the card and answer any questions you may have. One question you want to be sure to ask is about the welcome bonus!

If you don’t make certain that your application has a 100,000-point welcome bonus in the terms, then all your work will have been for nothing. Keep in mind that there is no guarantee you will be targeted for the offer just for meeting with the BRM.

Step 3: Apply for the Card

The application process is exactly the same as applying for any other business credit card on the Chase website, except the BRM will be asking you for each piece of information in person.

If this is your first time applying for a business credit card, you’ll need to provide basic information about your business, including the type of business you have and its annual income (or an estimate). You’ll also need some of your personal information like your address, date of birth, and Social Security number.

Afterward, you might get your application results back instantly, but sometimes it can take a few weeks. If you’re approved, once you meet the minimum spending requirement, you’ll receive your coveted 100,000-point Ultimate Rewards welcome bonus!

Many are under the impression that you need an LLC or corporation to get approved for a business credit card, but this isn’t true at all. Freelance work or even side gigs that have yet to generate any money can qualify for business credit cards too.

Bottom Line: Keep in mind that simply visiting with a BRM at a local Chase branch will not guarantee that you will receive the 100k welcome bonus. The likelihood of any individual account being targeted for the 100k welcome bonus is rare, so don’t be discouraged if your account isn’t targeted — the standard 80k point welcome bonus is still a fantastic offer worth at least $1,000!

Targeted Mailings and Offers From Chase

It is possible to receive a targeted mailer for the Ink Business Preferred card’s 100,000-point welcome bonus. In fact, while very rare, some have even reported receiving offers as high as 120,000 points!

You can help increase your odds of receiving one of these offers by opting in to receive credit card offers from Chase.

After logging into your account, simply click over to profile and settings, select marketing preferences, and then make sure you’ve selected “yes” to receive special offers from Chase, which includes credit card offers!

Hot Tip: Already have the Ink Business Preferred card and worried that you missed the boat on 100k points? Well, you’re in luck! You can earn 20,000 Ultimate Rewards points for each person you refer to the Ink Business Preferred card, for a total of up to 100,000 bonus points after 5 referrals.

Reasons You May Not Get a Targeted 100,000-Point Welcome Offer

Bad Credit: If you don’t have a high credit score, not only will you not be targeted for the offer, but you’ll have a difficult time getting approved for the standard offer. As always, you want to keep your credit score as high as possible. You should be using your current credit responsibly and paying off your bill in full and on time each month.

Chase 5/24 rule: The Ink Business Preferred card is subject to the Chase 5/24 Rule, which means that if you’ve opened 5 or more accounts over the past 2 years, you will not be approved.

Final Thoughts

Trying to track down the 100,000-point welcome bonus for the Ink Business Preferred card can be quite the waiting game given its rarity, but if you’re lucky enough to be targeted, it could certainly be worth the wait!

Overall, the Ink Business Preferred card is easily one of the best small business cards available, so new cardholders will have more than just the welcome bonus to be happy about. After you have earned the 100,000 bonus points, you get the thrill of deciding the best way to use all of your Chase points to book some amazing travel experiences.