Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
January 15, 2024: We’ve verified the current in-branch offer on the Ink Business Preferred® Credit Card matches the online bonus: bonus_miles_full
Here are the details on the best available Ink Business Preferred® Credit Card welcome bonuses.
Best Chase Ink Business Preferred® bonus: Earn 90k points
Here is the best Ink Business Premier® Credit Card sign-up bonus available:
Annual fee: annual_fees
Best public sign-up bonus: Column key for provided table ID not found!
Learn how to apply.
With the Ink Business Preferred® Credit Card, you can redeem your points for cash back or use them for travel booked through Chase Travel℠ at 1.25 cents per point.
My take: Excellent bonus on a great card
The Ink Business Preferred® Credit Card is a great alternative to the Chase Sapphire Preferred® Card for small business owners. It offers similar travel protections and you’ll actually earn more points on your travel—at least on up to $150,000 you spend on travel during the year. And it offers a much larger welcome bonus.
It’s interesting to see how the bonus on the Ink Business Preferred® Credit Card has evolved over the years, and that history might tell us something about whether there might be a bigger bonus on this card at some point in the future.
The spending requirement to earn this bonus used to be a lot higher. In 2023, Chase dropped the spending requirement from $15,000 down to $8,000 for the standard bonus, putting it within reach for many more people. Since then, there are been a few increased offers, featuring 100k or even 120k bonus points. Those offers ran for a few months and are no longer available.
That said, I’d be willing to speculate that we’ll see a larger bonus on this card some time in 2025. If you’re willing to wait and hold out hope for an additional 10,000 points, you might be able to get a better bonus later this year. Of course
In-branch offer: Matches the online 90k offer
On January 13, 2025, we verified that the bonus offered in-branch matches the online offer: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
In-branch welcome offers change from time to time and this information is accurate as of our last check. The in-branch offer may be different or may no longer be available.
Chase Ink Business Preferred® Credit Card Referral offer: Earn some points for your friend
Chase allows Ink cardmembers to refer others to Chase Ink cards and earn points when someone they refer gets approved for a card. When we last checked on November 18, 2024, the referral offer for the Ink Business Preferred® Credit Card was the same bonus as Chase was offering online through other channels and in-branch.
But even though you won’t get any more points for the sign-up bonus, applying through a referral link can be a great way to help out a fellow small business owner. When you apply through someone’s referral link they can earn points if you are approved.
Chase will match sign-up bonuses
In our experience, Chase will match a current increased welcome bonus if you applied for the same card, through the same channel in the past 30 days. If you applied with this card within the past 30 days under a less-attractive sign-up bonus, you can likely get the newer, better bonus matched by calling Chase customer service.
Keep in mind that Chase typically will only match sign-up bonuses in the same channel. For example, if you applied online, you are unlikely to get your bonus matched to an in-branch exclusive offer.
The best way to use the Chase Ink Business Preferred® bonus points
With the Ink Business Preferred® Credit Card, you’ll earn Ultimate Rewards® points. And since the Ink Preferred is a premium card, you have direct access to some of the best redemption options available: Travel through Chase Travel℠ and transfers to travel partners. Here are the best ways to use your Ultimate Rewards.
- Cash back. You can always use Ultimate Rewards® points for cash back redemptions. You’ll get 1 cent per point for cash back redemptions on any Ultimate Rewards credit card.
- Options available with premium cards. If you hold a premium Ultimate Rewards card, you can a few additional options for using your points. Premium Ultimate Rewards cards include the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card. You can also use the points you earn on your no-annual-fee card for these premium redemption options if you first transfer your points to your premium card.
- Travel through Chase Travel℠. Premium Ultimate Rewards cards offer increased value when you use your points to book travel through Chase Travel℠. You get 25% more value for bookings through Chase Tavel with the Sapphire Preferred or Ink Preferred. And you’ll get 50% more value for bookings made through the Sapphire Reserve card.
- Transfers to airline and hotel partners. All of the Premium Ultimate Rewards cards offer point transfers to travel partners. Transfers to partners offer the opportunity to get outsized value for your points through luxury travel redemptions. Our favorite Ultimate Rewards® transfer partners include Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, United Mileage Plus, Virgin Atlantic Flying Club, and World of Hyatt.
About the Ink Business Preferred® Credit Card
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Preferred® Credit Card offers more points for travel purchases and gives you the ability to redeem your rewards through Chase Travel℠ for 25% more value and transfer points to travel partners.
Sign-up bonus
Best public sign-up bonus: Column key for provided table ID not found!
Learn how to apply.
With the Ink Business Preferred® Credit Card, you can redeem your points for cash back or use them for travel booked through Chase Travel℠ at 1.25 cents per point.
Rewards
- 5x on Lyft rides through March 31, 2025.
- 3x points on the first $150,000 spent in combined purchases in the following categories each account anniversary year:
- Shipping purchases.
- Advertising purchases made with social media sites and search engines.
- Internet, cable, and phone services.
- Travel.
- 1x on other purchases.
Rewards are earned as Chase Ultimate Rewards® points and can be redeemed for a variety of travel and cash back awards. Rewards are worth 25% more when redeemed for travel through Chase Travel℠.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase protection.
- Cell phone protection.
Travel insurance benefits
- Trip cancellation/interruption insurance.
- Auto rental collision damage waiver.
For more on the Ink Business Preferred® Credit Card, check out our overview of the card.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
