Chase Is Back With a Massive 100,000-Point Bonus on the Ink Business Preferred
If you run a small business or even a modest side hustle, you already know how quickly expenses add up — and how rewarding it can be when those expenses actually work for you. Chase has just brought back one of the most generous welcome offers in the small-business credit card space: a 100,000-point bonus on the Ink Business Preferred® Credit Card. For anyone who has been on the fence about applying, now is the time to pay very close attention, because offers at this level don't stick around forever.
Whether you're a freelancer, a small-business owner, or someone building an entrepreneurial side project, this card — and this bonus specifically — could translate into thousands of dollars' worth of travel, hotel stays, or flexible redemptions. Here's everything you need to know before this window closes.
What Makes This Offer So Compelling?
A 100,000-point welcome bonus is not something you see every day. To put it in perspective, Chase Ultimate Rewards points are widely regarded as some of the most valuable bank-issued rewards points available. When transferred to the right airline or hotel partner, those 100,000 points can be worth well over $1,500 — and in many cases, significantly more depending on how you redeem them.
The card carries a $95 annual fee, which is genuinely low for a bonus of this magnitude. Many premium travel cards charge three to five times that amount for a comparable welcome offer. For small-business owners who are already spending on advertising, shipping, travel, or technology, hitting a minimum spend requirement to unlock this bonus should feel very achievable rather than like a stretch.
The Transfer Partners Are Where the Real Value Lives
Chase Ultimate Rewards points shine brightest when you transfer them to airline and hotel loyalty programs. The Ink Business Preferred gives you access to the same robust list of transfer partners as Chase's personal travel cards, and the transfer ratio is 1:1, meaning every point you earn transfers as a full point to your chosen partner program.
Some of the most valuable transfer partners include:
- World of Hyatt — Consistently ranked among the best hotel loyalty programs, Hyatt points can unlock free nights at luxury properties that would otherwise cost several hundred dollars per night.
- United MileagePlus — A strong domestic and international airline partner, particularly useful for Star Alliance redemptions to destinations in Europe, Asia, and South America.
- Air France KLM Flying Blue — Flying Blue frequently runs Promo Rewards sales where redemption rates drop significantly, making this one of the most flexible partners for transatlantic travel.
- British Airways Executive Club — Avios are extremely useful for short-haul flights and for accessing partner airlines like American and Alaska on domestic routes at very low point costs.
- Singapore Airlines KrisFlyer — For those chasing premium cabin redemptions, Singapore Airlines is a dream partner with access to some of the most luxurious business and first-class products in the sky.
The flexibility of being able to choose among these partners depending on your destination and travel goals is a major reason why serious points enthusiasts gravitate toward Chase Ultimate Rewards over more restrictive programs.
Who Should Apply for the Ink Business Preferred Right Now?
This card is designed for business use, but the definition of "business" is broader than many people realize. You don't need to run a formal corporation or LLC to qualify. Freelancers, consultants, content creators, tutors, rideshare drivers, resellers, and anyone else who earns income outside of traditional employment can typically qualify. When you apply, Chase will ask for your business name — which can simply be your own name — and your revenue, which can be modest or even in early stages.
If you're already a Chase customer with a personal travel card like the Sapphire Preferred or Sapphire Reserve, adding the Ink Business Preferred to your wallet is a particularly smart move. Points earned across your Chase cards can be combined in a single Ultimate Rewards account, accelerating your progress toward major redemptions. It's one of the core strategies in what points enthusiasts often call the "Chase trifecta."
Earning Categories That Suit Business Spending
Beyond the welcome bonus, the Ink Business Preferred earns at elevated rates in several categories that align well with typical business spending patterns. Advertising on social media and search engines, travel, shipping, and internet, cable, and phone services all earn at enhanced rates on the first $150,000 in combined purchases each year. For many small-business owners, these categories cover a significant portion of annual operating costs, meaning the card continues to deliver strong value well past the first year.
Don't Wait Too Long — Limited-Time Offers Have a Habit of Disappearing
Chase has been known to adjust its welcome offers without much warning. A bonus at the 100,000-point level is elevated compared to the card's standard offer, and there's no guarantee it will remain available for an extended period. If you've been considering a business card and have been waiting for the right moment, this is it.
The combination of a low annual fee, a world-class set of transfer partners, useful everyday earning categories, and a six-figure welcome bonus makes the Ink Business Preferred one of the strongest card offers available to small-business owners right now. Do your research, check your eligibility, and act while this bonus is still on the table.
Final Thoughts
The Chase Ink Business Preferred's 100,000-point bonus is a rare opportunity that deserves serious attention from anyone running a business or side hustle. With a modest $95 annual fee and access to some of the most versatile and valuable transfer partners in the rewards space — including Hyatt, United, Air France KLM, British Airways, and Singapore Airlines — this card punches well above its weight class. The points you earn could fund a business trip, a family vacation, or a long-awaited international adventure. The only question is whether you'll take advantage of the offer before it goes away.