Chase has relaunched its top-tier welcome offer on the Ink Business Preferred credit card: 100,000 bonus points after spending $8,000 on purchases within the first three months of opening an account. For anyone running even a small side business — freelance work, an online shop, rental income — that is one of the richest sign-up bonuses currently available in the US market.
The card carries a $95 annual fee, which is modest given the earning structure. It pays 3 points per dollar on the first $150,000 spent each account year across a broad set of business categories: travel, shipping, internet, cable and phone services, plus advertising bought through social media platforms and search engines. For a small business that already pays for ads or shipping, that earning rate can rack up points quickly without any change in spending habits.
What makes the 100,000-point bonus genuinely valuable is flexibility. Points can be redeemed through Chase's own travel portal, or transferred to a long list of airline and hotel partners. That includes United Airlines, Singapore Airlines and Air Canada Aeroplan in Star Alliance; British Airways and Iberia in oneworld; Air France-KLM Flying Blue and Virgin Atlantic Flying Club in SkyTeam; plus Southwest, JetBlue and Aer Lingus. On the hotel side, transfers go to World of Hyatt, Marriott Bonvoy and IHG One Rewards. Transferring to partners is where the value usually peaks — 100,000 points is enough for a long-haul business class ticket on several of these programmes, which can easily be worth $2,000 or more.
There are a couple of catches worth knowing. Chase has historically limited this card to one welcome bonus per lifetime, so if you have held the Ink Business Preferred before, you may not be eligible again. There is also the general Chase rule nicknamed '5/24': applicants who have opened five or more new credit cards in the past 24 months are often declined. Interestingly, the Ink Business Preferred has often not counted against that total when approved, though that behaviour varies and isn't guaranteed.
Why does this matter for travellers? Because this bonus is not always on the table — Chase pulls and restores it in waves, and offers like this one tend to disappear without much notice. If you have a legitimate business and have been waiting for a big bonus, this is the moment to check eligibility. Points earned now can sit in a Chase account indefinitely and be transferred to the programme you need, when you need it — useful whether you're eyeing a lie-flat seat to Europe or a week at a Hyatt property. As always, only apply if you can comfortably meet the $8,000 minimum spend, and check current terms before doing so.
Story first reported by View from the Wing.