Chase Ink Business Preferred
By Alex Compton · Last verified
A six-figure welcome offer plus 3x on core travel and business spending.
Welcome Bonus
100,000
≈$2,050 value
Spend Requirement
$8,000
in 3 months
Annual Fee
$95
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 6 tracked offers going back to 2017, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
95k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 100,000 | $8,000 in 3 mo | Bonus increased: 90,000 → 100,000 | Chase Ink Business Preferred offer details → |
| 2026-01 | 90,000 | $8,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-10 | 90,000 | $8,000 in 3 mo | Bonus decreased: 100,000 → 90,000 | Archive record · no attached snapshot |
| 2023-09 | 100,000 | $8,000 in 3 mo | Spend: $15,000 → $8,000 | Archive record · no attached snapshot |
| 2021-03 | 100,000 | $15,000 in 3 mo | Bonus increased: 80,000 → 100,000 · Spend: $5,000 → $15,000 | Archive record · no attached snapshot |
| 2017-01 | 80,000 | $5,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Updated the public offer to 100,000 points after $8,000 in three months and added current Lyft, DashPass, and bonus-eligibility terms.
Fields: tagline, currentOffer, offerHistory, benefits, pros, cons, ourTake, lastVerified
Chase Ink Business Preferred offer details →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xTravel, shipping, internet/cable/phone, social media ads ($150k/yr cap)
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Full transfer partner access
- ✦Cell phone protection for the whole plan
- ✦Primary rental insurance for business rentals
- ✦5x total points on Lyft rides through September 30, 2027
- ✦At least 12 months of DashPass plus one $10 non-restaurant DoorDash discount monthly after activation by December 31, 2027
Why it earns its spot
- +100k points can be highly valuable through transfer partners
- +3x ad spend is strong for e-commerce operators
- +$95 annual fee is modest for a transferable-points business card
Where it costs you
- −$8k spend requirement
- −3x caps at $150k/yr
- −Chase says the bonus may be unavailable if you have ever had this card
The Compound Verdict
For a business with meaningful advertising, shipping, travel, or telecom spend, Ink Preferred remains the strongest entry point into transferable Ultimate Rewards. The current 100,000-point offer is substantial, but Chase now says prior ownership can affect bonus eligibility, so do not assume old repeat-bonus timing rules apply.
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