Chase Brings Back Its Massive 100,000-Point Ink Business Preferred Bonus
If you run a small business or even a modest side hustle, now is a great time to pay attention to your credit card strategy. Chase has brought back one of the most compelling welcome offers in the business credit card space: a 100,000-point bonus on the Ink Business Preferred® Credit Card. This is not a permanent fixture on the card, and history has shown that elevated offers like this one tend to disappear without much warning. If earning six figures in transferable points with a single card application sounds appealing, read on — because this deal is worth understanding in full before it's gone.
What Makes the Ink Business Preferred Bonus So Valuable?
At first glance, 100,000 points might sound like a big number without much context. But when those points live inside the Chase Ultimate Rewards ecosystem, their value becomes immediately clear. Chase Ultimate Rewards points are widely considered among the most flexible and valuable bank-issued points available to consumers and small-business owners in the United States.
When redeemed through the Chase Travel portal, each Ultimate Rewards point is worth 1.25 cents, putting the baseline value of this bonus at $1,250 in travel. But the real magic happens when you transfer those points to Chase's airline and hotel partners — and the Ink Business Preferred gives you access to the full list of Chase's most coveted transfer partners.
Chase Ultimate Rewards Transfer Partners
One of the biggest draws of this card is the ability to move your points 1:1 to a range of airline and hotel loyalty programs. Here are some of the most valuable transfer partners available to Ink Business Preferred cardholders:
- World of Hyatt — Widely regarded as the best hotel loyalty program for point value, where 100,000 points can cover multiple nights at top-tier properties around the world.
- United MileagePlus — Ideal for booking domestic and international flights, including Star Alliance partner airlines, often at far lower rates than cash tickets.
- Air France-KLM Flying Blue — Frequently runs promo awards with steep discounts and is excellent for transatlantic and intra-Europe travel.
- British Airways Executive Club — Best known for short-haul Avios redemptions and partner awards on American Airlines flights within the U.S.
- Singapore Airlines KrisFlyer — One of the most aspirational transfer partners available, with access to Singapore's award-winning business and first-class products.
Depending on how you use these partners, savvy travelers regularly extract two to five cents — or more — per point in value, meaning this 100,000-point bonus could realistically be worth anywhere from $2,000 to $5,000 or more in premium travel.
A $95 Annual Fee That Barely Registers Against the Reward
One of the most striking aspects of this offer is the math. The Ink Business Preferred carries a $95 annual fee — a figure that is genuinely low for a card offering a bonus of this size. Many premium travel cards charge $550 or more annually for comparable welcome offers and transfer partner access. The fact that you can unlock a 100,000-point bonus for just $95 per year makes this one of the most cost-efficient entry points into the Chase Ultimate Rewards ecosystem available today.
Even if you never used the card again after earning the bonus, the first-year return on a $95 investment — potentially thousands of dollars in travel — is difficult to match with virtually any other financial product on the market.
Who Qualifies for the Ink Business Preferred?
The word "business" in the card's name might feel intimidating if you don't operate a traditional company, but Chase's definition of a business is broader than most people realize. You do not need a registered LLC or a formal business structure to apply. Freelancers, consultants, photographers, tutors, eBay or Etsy sellers, rideshare drivers, and anyone earning any amount of self-employment income can legitimately apply for a small-business credit card.
When you apply, you can use your legal name as your business name and your Social Security number as your business tax ID if you haven't incorporated. Chase will evaluate your personal credit history alongside any business revenue you report. As long as your credit profile is strong — generally a good to excellent score is recommended — you have a reasonable shot at approval.
Why You Should Act Before This Offer Disappears
Chase has historically rotated the Ink Business Preferred's welcome bonus up and down over time. The standard offer on this card is typically around 90,000 points, and it has dipped as low as 80,000 points during off-peak periods. The current 100,000-point offer represents a meaningful step above the baseline, and there is no public indication of how long it will remain available.
If you have been waiting for the right moment to add a Chase business card to your wallet — whether to build out your Ultimate Rewards balance, book a dream trip, or simply maximize your everyday business spending — this is one of the strongest signals you are likely to get. Elevated bonuses have a way of ending quietly and without notice, and the window to capitalize on 100,000 points for a $95 annual fee will not stay open forever.
The Bottom Line
The Chase Ink Business Preferred's 100,000-point welcome bonus is a standout offer in a crowded credit card market. With a low $95 annual fee, access to world-class transfer partners like Hyatt, United, Air France-KLM, British Airways, and Singapore Airlines, and the full flexibility of the Chase Ultimate Rewards program behind it, this card is making a compelling case for small-business owners and side hustlers alike. If you qualify, now is the time to take a serious look — before this bonus goes away.