How To Find the 120,000-Point Welcome Bonus Offer for the Ink Business Preferred Card [2024]

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

Fortunately, it is possible for new applicants to receive a bonus that is even higher than the average 80,000-point offer. So, how can you find this elusive offer? In this post, you’ll find all the information you need to apply for the Ink Business Preferred card.

Update: Right now, there’s no need to look for a targeted offer for the 100,000 bonus points or head to your local branch because the current offer is: LIMITED TIME OFFER: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months. Here’s the application link on Chase.com.

Benefits of the Ink Business Preferred

Let’s take a quick look at some of the benefits of the Ink Business Preferred card so you can get an idea of why the card might be a great fit for you in the first place.

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.
• 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 $600 per claim for damage or theft of cell phones.
• Trip Cancellation/Interruption Insurance: If you cancel or cut a trip short due to 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’ll be eligible for reimbursement of up to $500 per ticket in reasonable expenses.
• Purchase Protection: 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: Extends the period of a U.S. manufacturer’s warranty by an additional year.
• Primary Rental Car Coverage: Keeps your rental car covered for theft and damage in the U.S. and most countries around the world.

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 a 25% 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 Bonus Offer

The standard welcome bonus offer for the Ink Business Preferred card is 80,000 Chase Ultimate Rewards points, which is already a huge welcome bonus, but being targeted for the 100,000-point bonus offer represents a 25% increase, providing you with even more value.

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

LIMITED TIME OFFER

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠

120,000 Points

UP's Bonus Valuation*:

$2,400

Annual Fee

$95

APR

21.24%-26.24% 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 cardapplication.

Good to Excellent (670-850)

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 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• 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
• Round-the-clock monitoring for unusual credit card purchases
• 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
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 21.24%-26.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

There are 2 main ways to find your 100,000-point welcome bonus for the Ink Business Preferred card:

1. Apply in-branch at a Chase Bank with a Chase Business Relationship Manager (BRM)
2. Get a targeted mailing

Update: Right now, there’s no need to look for a targeted offer for the 100,000 bonus points or head to your local branch because the current offer is: LIMITED TIME OFFER: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months. Here’s the application link on Chase.com.

Applying in a Branch With a BRM

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 you want a chance at the 100,000-point Ink Business Preferred card welcome bonus, you will need to visit your nearest Chase bank.

Step 1: Find a Chase Branch in Your Area With a BRM

To get the 100k offer, you’ll need to meet with a BRM so they can check to see if you’re eligible to receive 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 if there’s a BRM you can speak to each time until you find one.

Hot Tip: Some BRMs swap locations throughout the week, so if the BRM 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 BRM and Inquire About the Offer

When you meet with the BRM during your appointment, they’ll 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 bonus!

If you don’t make certain that your application has a 100,000-point welcome bonus in the terms, then all your work will have been for nothing. Keep in mind that there is no guarantee you will be targeted for the offer just for meeting with the BRM.

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 BRM will ask you for each piece of information in person.

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

Afterward, you might get your application results back instantly, but sometimes it can take a few weeks. If you’re approved, once you meet the minimum spending requirement, you’ll receive your coveted 100,000-point Ultimate Rewards welcome bonus!

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 have yet to generate any money can qualify for business credit cards, too.

Bottom Line: Keep in mind that simply visiting with a BRM at a local Chase branch will not guarantee that you will receive the 100k welcome bonus. The likelihood of any individual account being targeted for the 100k welcome bonus is rare, so don’t be discouraged if your account isn’t targeted — the standard 80k point welcome bonus 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. 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 into your account, simply click over to Profile & Settings, select Marketing preferences, and then 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 100k 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 are 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 the Chase transfer partners, allowing you to unlock some top-notch travel redemptions that could potentially offer you thousands of dollars in value.

It is because of this flexibility and the value you can receive from transfer partners that we value Chase Ultimate Rewards points at 2 cents per point, making 100,000 Chase points worth a whopping $2,000 in our view.

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

Bad Credit: If you don’t have a high credit score, not only will you not be targeted for the offer, but you’ll 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 be using your current credit responsibly and paying off 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 will not be approved.

Final Thoughts

Trying to track down the 100,000-point welcome bonus offer for the Ink Business Preferred card can be quite the waiting game, given its rarity, but if you’re lucky enough to be targeted, it could certainly be worth the wait!

Overall, the Ink Business Preferred card is easily one of the best small business cards available, so new cardholders will have more than just the welcome bonus to be happy about. After earning the 100,000 bonus points, you get the thrill of deciding the best way to use your Chase points to book some amazing travel experiences.