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Ink Business Preferred® Credit Card bonus: Back to the 90k offer.

Ink Business Preferred® Credit Card card art
Ink Business Preferred® Credit Card

September 5, 2024: Today, Chase ended its best-ever bonus offer on the Ink Business Preferred® Credit Card. The new cardmember welcome offer is back down to its usual bonus: bonus_miles_full

Referral links are also down to the usual bonus and we suspect that the in-branch offers have been pulled as well.

Here are the details on the best available Ink Preferred welcome bonuses.

Online bonus: Chase Ink Business Preferred® 90k online bonus

Ink Business Preferred® Credit Card card art

Learn how to apply.
Annual fee: annual_fees

Ink Business Preferred® Credit Card sign-up bonus

bonus_miles_full

This the largest Chase Ultimate Rewards® welcome bonus available on a single card. The card is a great choice for small business owners who travel.

More about this card


Benefit highlights:
Trip cancellation/trip interruption insurance.
Cell phone protection.
Roadside dispatch.
Purchase protection.
Auto rental collision damage waiver.
Extended warranty protection.
Transfers to travel partners.
Redeem points for 25% more value through Chase Travel℠.

Rewards:
3x on the first $150,000 spent in combined purchases each year
– Travel.
– Internet, cable and phone services.
– Shipping
– Advertising purchases made with social media sites and search engines
1x on other eligible purchases.
Rewards are earned as Chase Ultimate Rewards®.

Learn more:
Learn more about Chase Ultimate Rewards® or find the best Ultimate Rewards welcome bonuses.

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

Ink Business Preferred® Credit Card card art
Ink Business Preferred® Credit Card

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

Ink Business Preferred® Credit Card card art
Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers small business owners rewards on business category purchases like travel, shipping, internet services, and advertising, plus essential protections like extended warranty and primary auto rental collision damage waiver insurance when renting for work. The card carries an annual fee of $95.

The card earns three points per dollar on the first $150,000 in combined purchases in its bonus categories, which include:

  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases with social media sites and search engines
  • Travel

Purchases beyond $150,000 in these categories and all other purchases earn one point per dollar. Rewards are earned as Ultimate Rewards points, which can be transferred to one of Chase’s 15 travel transfer partners.

The Ink Business Preferred comes with a robust set of travel and insurance benefits which, while not as generous as the Chase Sapphire Preferred, do cover the essentials. The card includes primary auto rental collision damage waiver when renting for business, baggage delay protection, and trip delay reimbursement as well as purchase protection and extended warranty protection

For more on the Ink Business Preferred® Credit Card, check out our overview of the card.

Ink Business Preferred® Credit Card card art

Learn how to apply.
Annual fee: annual_fees

Ink Business Preferred® Credit Card sign-up bonus

bonus_miles_full

This the largest Chase Ultimate Rewards® welcome bonus available on a single card. The card is a great choice for small business owners who travel.

More about this card


Benefit highlights:
Trip cancellation/trip interruption insurance.
Cell phone protection.
Roadside dispatch.
Purchase protection.
Auto rental collision damage waiver.
Extended warranty protection.
Transfers to travel partners.
Redeem points for 25% more value through Chase Travel℠.

Rewards:
3x on the first $150,000 spent in combined purchases each year
– Travel.
– Internet, cable and phone services.
– Shipping
– Advertising purchases made with social media sites and search engines
1x on other eligible purchases.
Rewards are earned as Chase Ultimate Rewards®.

Learn more:
Learn more about Chase Ultimate Rewards® or find the best Ultimate Rewards welcome bonuses.

A few notes on applying for Chase cards

  • 5/24 rule. Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened, especially for Ink cards. See our coverage about Chase 5/24 for more.
  • Only one Sapphire-branded card. You can only hold one Chase Sapphire-branded card at a time. This means you can have either a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, but not both.
  • You can get a welcome bonus on a Chase card, even if you’ve had the card previously. How often you can earn a welcome bonus on a Chase card varies by card family.
    • Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
    • Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
    • Marriott cards have their own special rules.
  • Chase will match an increased bonus. If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
  • In-branch offers are sometimes better. Chase sometimes has better credit card welcome offers in-branch than it will publish on its own website or through affiliate networks. Check all channels to make sure you’re getting the best bonus.
  • Chase business cards do not report to personal credit reports and do not impact your 5/24 status as long as they are current.

Frequently asked questions

Can you have multiple Chase Ink cards?

Yes. You can have at least one of each of the four different Chase Ink credit cards. And if you have multiple businesses, you can get even more.

Does it make sense to have both the Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card?

Both the Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card enable you to use you Ultimate Rewards® points for increased value for travel. Both cards also offer a robust suite of travel protection benefits. For most people, it makes sense to hold only one of these cards. Both cards have an annual fee of $95.

Does the Ink Business Preferred® Credit Card let you transfer points?

Yes. The Ink Business Preferred® Credit Card is the only Chase small business credit card that lets your transfer your Ultimate Rewards® points to Chase’s transfer partners.

Read more about the Ink Business Preferred® Credit Card

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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