Ink Business Preferred Card’s Welcome Offer History: 2020 to 2026

The Ink Business Preferred^® Credit Card from Chase delivers on all fronts for business owners: low annual fee, huge rewards potential, and best of all, a generous welcome offer.

Cardholders earn Ultimate Rewards points that can be transferred to Chase’s airline and hotel transfer partners at a 1:1 ratio, unlocking dozens of travel redemption options.

Over the years, the Ink Business Preferred card’s welcome offer has shifted quite a bit. Let’s take a closer look at the best bonus offer we’ve seen since 2020, along with the overall range of welcome offers that have been available during that time.

When To Apply for the Ink Business Preferred Card

Chase Ultimate Rewards points are among the most highly valued award currencies, and we estimate their worth to be 2 cents apiece. Right now, eligible new applicants of the Ink Business Preferred card can score this public welcome offer:

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

If used strategically for travel redemptions, the current welcome offer can deliver $2,000 in rewards value. But is this the best welcome offer available on the Ink Business Preferred card? We’ll review its welcome offer history since 2020 in the chart below:

*Valuations are based on our monthly points valuations and are not provided by the issuer.

Interestingly, Chase slashed the minimum spending requirements for the Ink Business Preferred card’s welcome offer by roughly half in 2023 — and it’s stayed that way since. As you can see, the best-ever welcome offer so far was 120,000 bonus points, last offered in the fall of 2024.

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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.

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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

17.99% - 26.99% 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

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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: 17.99% - 26.99% Variable
• Foreign Transaction Fees: None

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Chase Ultimate Rewards

To put things in perspective, the more pricey Sapphire Reserve for Business℠ has the following welcome offer:

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months and access more than $7,000 in total business and travel value in your first year.

Although you’d earn more bonus points, there’s a larger minimum spending requirement, as well. Not only that, but the annual fee of $795 makes the Chase Sapphire Reserve Business card a better match for high-spending businesses. On the other hand, the Ink Business Preferred card makes more financial sense for the vast majority of business owners.

Ink Business Preferred Card Benefits

With a $95 annual fee, the Ink Business Preferred card earns 5x points on Lyft rides (through September 30, 2027); 3x points 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; and 1x points on all other eligible purchases.

The Ink Business Preferred card is a step above the Ink Business Unlimited^® Credit Card and the Ink Business Cash^® Credit Card with greater rewards potential. Here are the other benefits you can expect on the Ink Business Preferred card:

• Add additional employee cards to your account for no additional cost.
• You get cell phone protection, purchase protection, trip cancellation and interruption insurance, primary rental car insurance for business purposes, and extended warranty coverage.
• Pool your Chase Ultimate Rewards points with other Chase rewards cards.

Final Thoughts

The Ink Business Preferred card has offered welcome bonus offers ranging from 90,000 to 120,000 points over the past 6 years. Though you could wait for a better welcome offer to come around, the 3x earning potential on the card would let you, as a business owner, collect points for long-term use beyond an introductory bonus.