How To Find the 100,000-Point Welcome Bonus Offer for the Ink Business Preferred Card [2026]

The Ink Business Preferred^® Credit Card is one of the best Chase business cards and among the top business credit cards on the market, thanks to its stellar earning potential, valuable perks, and high welcome offer.

Fortunately, new applicants are lucky: The current public welcome offer is 100,000 points. However, welcome offers fluctuate frequently, and the public offer may not always be this high. In fact, the card’s public offer usually sits closer to 80,000 points.

If the welcome offer of 100,000 points isn’t publicly available, we can help you try to get it. In this post, you’ll find all the information you need to apply for the Ink Business Preferred card and obtain the highest welcome offer bonus possible.

Benefits of the Ink Business Preferred

Let’s take a quick look at some of the benefits of the Ink Business Preferred card to see why it’s one of the top business credit cards out there.

Key Benefits

• Earn 3x Ultimate Rewards points on the first $150,000 spent on these categories per year: travel, shipping, internet, cable, phone, and advertising on social media and search engines.
• Earn 5x Ultimate Rewards points on Lyft rides through September 30, 2027.
• Cell phone protection: When you charge your monthly cell phone bill to the card, you and any eligible employees on the plan receive up to $1,000 per claim for cell phone damage or theft.
• Trip cancellation and interruption insurance: If you cancel or cut a trip short for 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’re eligible for reimbursement of up to $500 per ticket in reasonable expenses.
• Purchase protection: This 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: The card comes with coverage that extends the period of a U.S. manufacturer’s warranty by an additional year.
• Primary auto rental coverage: This keeps your rental car covered for theft and damage in the U.S. and most other countries worldwide.

It is no secret that Chase Ultimate Rewards points are some of the most valuable loyalty points out there, and Ink Business Preferred cardholders can get even more value by receiving an up to 75% bonus in point value when booking through the Chase Travel portal.

The possibilities don’t stop there: You can unlock even more value by transferring your points to one of the various Chase Travel partners.

How To Find the 100,000-Point Welcome Offer

The standard welcome offer for the Ink Business Preferred card is 80,000 or 90,000 Chase Ultimate Rewards points, which is already a huge offer. A 100,000-point bonus represents a significant increase and provides even more value.

Here is the current public offer for the Ink Business Preferred card:

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.49% - 25.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 19.49% - 25.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

If the public offer is 100,000 or more points, you can stop here. But if the offer is less than that, there are 2 main ways to find your 100,000-point welcome bonus offer for the Ink Business Preferred card:

1. Apply in person at a Chase Bank branch with a Chase business relationship manager.
2. Get a targeted mailing.

Applying in a Branch With a Business Relationship Manager

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 the public bonus is only 80,000 and you want a chance at the 100,000-point Ink Business Preferred card welcome offer, you need to visit your nearest Chase bank.

Step 1: Find a Chase Branch in Your Area With a Business Relationship Manager

To get the 100,000-point offer, you need to meet with a business relationship manager to check whether you’re eligible for 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 each time if there’s a business relationship manager you can speak to until you find one.

Hot Tip:

Some business relationship managers swap locations throughout the week, so if the manager 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 Business Relationship Manager and Inquire About the Offer

During your appointment, the business relationship manager will run through all the benefits of the card and answer any questions you may have. One question you want to ask is about the welcome offer and whether there is a targeted offer of 100,000 points available to you.

Keep in mind that there is no guarantee you will be targeted for the offer just for meeting with the manager, but it’s definitely worth trying.

Step 3: Apply for the Card

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

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

You might get your application results back instantly, but sometimes it can take a few weeks. If you’re approved and once you meet the minimum spending requirement, you’ll receive your Ultimate Rewards welcome offer bonus, which will hopefully be 100,000 points.

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 haven’t yet generated any income can qualify for business credit cards, too.

Bottom Line:

Keep in mind that simply visiting with a business relationship manager at a local Chase branch won’t guarantee that you’ll receive the 100,000-point welcome offer. Don’t be discouraged if your account isn’t targeted — the standard 80,000-point welcome offer 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 if the public offer is lower. 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 in, click the tabs labeled “Profile & Settings,” select the tab labeled “Marketing preferences,” and 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 are worried that you missed the boat on 100,000 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 up to 100,000 bonus points after 5 referrals.

Is the 100,000-Point Welcome Offer Worth It?

If you’re considering adding the Inks Business Preferred card to your wallet, getting the 100,000-point welcome offer is definitely worth it.

At a minimum, these points would be worth $1,000 in cash-back, or $1,250 toward travel purchases when redeemed through the Chase Travel portal.

However, the Ink Business Preferred card also gives you access to Chase transfer partners, allowing you to unlock top-notch travel redemptions that could potentially offer you thousands of dollars in value.

Thanks to Chase’s lucrative and flexible transfer partner options, we value Chase Ultimate Rewards points at 2 cents per point, making 100,000 Chase points worth $2,000 — and maybe even more, if you’re savvy about transfers and redemptions.

Hot Tip:

If you need inspiration, read our ultimate guide to learn some of the best ways to redeem your Chase points for maximum value.

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

There are a couple of reasons you may not get a targeted offer from Chase for this card:

Bad Credit

If you don’t have a high credit score, you won’t be targeted for an elevated welcome offer, and you’ll likely 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 use your current credit responsibly and pay your bill in full and on time each month. Don’t forget about your business credit score if you’re applying using an EIN.

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 won’t be approved.

Final Thoughts

If the Ink Business Preferred card’s public welcome offer is lower than 100,000 points, you still have options. Even if you’re not planning to apply for any cards soon, you may as well opt in to get targeted mailings from Chase so you won’t miss out on special offers and targeted bonuses for this card (or any other Chase card).

You can also head into a bank branch to speak with a Chase business relationship manager and hopefully end up with the 100,000-point offer.

However, right now, the public offer for this card is 100,000, so it’s the perfect time to apply for Ink Business Preferred card and get this high welcome offer bonus without any additional hassle or time spent at banks. After earning the 100,000 bonus points, you get the thrill of deciding the best way to use your Chase points to book amazing travel experiences.