What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
Credit Card
Chase Ink Business Preferred Bonus — Up to 100,000 Points + 20,000 points
Apply to Chase Ink Business Preferred Bonus and earn up to $2,400 in combined sign-up and referral bonuses.
Qualifying Period
Within 3 months of account opening
Payout
6 to 8 weeks after qualifying
Requirements
- ✓$8,000 in purchases in the first 3 months after account opening
- ✓$8,000 in purchases within first 3 months of account opening
- ✓$8,000 in purchases within first 3 months
- ✓$8,000 in purchases in first 3 months from account opening
- ✓Minimum $8,000 in purchases within first 3 months
- ✓$8,000 in purchases within the first 3 months from account opening
- ✓Spend $8,000 on purchases in first 3 months after account opening
- ✓Minimum $8,000 in purchases within first 3 months from account opening
- ✓Purchases exclude balance transfers, cash advances, travelers checks, foreign currency, wire transfers, lottery tickets, casino gaming, betting transactions, and fees
- ✓$8,000 in purchases in the first 3 months from account opening
- ✓$8,000 spend on purchases in first 3 months
- ✓Minimum $8,000 in qualifying purchases within first 3 months
- ✓Purchases do not include balance transfers, cash advances, traveler's checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind
- ✓Spend $8,000 or more in purchases during the first 3 months from account opening
- ✓$8,000 in purchases required within first 3 months
- ✓$8,000 in purchases within first 3 months from account opening
Restrictions
- ⚠New cardmembers only
- ⚠May not be available if you have ever had this card
- ⚠Accounts subject to credit approval
- ⚠Must not have previously had this card
- ⚠Business owner required
- ⚠Cannot have previously held this card
- ⚠Must not be in default at time of fulfillment
- ⚠Requires $8,000 in purchases within 3 months
- ⚠New cardmember only
- ⚠Bonus eligibility considered based on business factors
- ⚠Must not have ever had this card before
- ⚠Business eligibility required
- ⚠New cardmember only — not available if you have ever had this card
- ⚠Account must be open and not in default at time of fulfillment
- ⚠New customers only (one per lifetime)
- ⚠Chase may consider factors pertinent to business in determining eligibility
- ⚠New cardmember bonus may not be available if you have ever had this card
- ⚠Chase may consider factors pertinent to your business in determining bonus eligibility
- ⚠New cardmembers only — not available if you have ever had this card
- ⚠Credit approval required
- ⚠New to Chase business cards (as of October 7, 2025 for referral eligibility)
- ⚠New customers only
- ⚠One bonus per lifetime (if you have ever had this card, you may not be eligible)
- ⚠Lifetime limit: The new cardmember bonus may not be available to you if you have ever had this card
- ⚠One bonus per lifetime
- ⚠Must have a business to apply
- ⚠Subject to Chase 5/24 rule
Fees
- $95 annual fee
- $95 annual fee (not waived first year)
- Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino chips, betting transactions, checks, interest, unauthorized charges, and fees
- Account must be open and not in default at time of fulfillment
- Points do not expire as long as account remains open
- Purchases exclude balance transfers, cash advances, fees, and cash-like transactions
- Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino gaming chips, race track wagers, checks, interest, unauthorized/fraudulent charges, or fees
- Points do not expire as long as account is open and in good standing
- Offers 3x points on first $150,000 in combined purchases on travel, shipping, internet, cable, phone, and advertising
- Chase Ultimate Rewards points
- Points do not expire as long as your account remains open
- Points will be lost if account is closed for program misuse, fraudulent activities, or other terms violations
- Balance transfers, cash advances, and cash-like transactions do not count toward spending requirement
- Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino chips, betting transactions, checks, interest, unauthorized charges, or fees
- 5x points on Lyft rides through September 30, 2027
- 3x points on first $150,000 in combined purchases annually on travel, shipping, internet/cable/phone, and advertising
- Complimentary DashPass for 12 months (activate by December 31, 2027)
- Chase Ultimate Rewards points do not expire as long as account remains open
- Points are immediately lost if account is closed for program misuse, fraud, or other reasons per Rewards Program Agreement
- Account must be open and not in default at the time of bonus fulfillment
- Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind
- Qualifying purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, casino chips, betting transactions, or fees
- Earns 3x points per $1 on first $150,000 in combined purchases in select categories each account anniversary year
- Earns 1 point per $1 on all other purchases
- Complimentary DashPass access
- Employee cards available at no additional cost
- Points do not expire as long as account is open
- Points do not expire as long as account remains open and in good standing
- Earns 3x points on first $150,000 in combined annual purchases in bonus categories (travel, shipping, internet, cable, phone services, social media/search engine advertising)
- Earns 5x points on Lyft rides through September 30, 2027
- No foreign transaction fees
- Free employee cards with individual spending limits
- Points can be transferred to airline and hotel partners at 1:1 ratio or redeemed for cash back, travel, or gift cards
- Chase may consider factors pertinent to your business in determining bonus eligibility
- Points do not expire as long as your account is open
- Points can be redeemed for travel, cash back, gift cards, and more
- Earn 3x points per $1 on first $150,000 in combined purchases in select categories each account anniversary year
- Earn 1x point per $1 on all other purchases
- Earn 5x points on Lyft rides through September 30, 2027
- Complimentary DashPass access for at least 12 months when activated by December 31, 2027
- No additional fee for employee cards
Total potential bonus
$2,400
Additional Referral Bonus (how it works)
20,000 points
Your 50% share of 40,000 points paid directly by the referrer
View Referral Terms →100,000 points (sign-up) + 40,000 points (referral) = $2,400 total
Last updated July 10, 2026
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How to evaluate Chase Ink Business Preferred Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- Within 3 months of account opening
- Payout timeline
- 6 to 8 weeks after qualifying
How to qualify
- $8,000 in purchases in the first 3 months after account opening
- $8,000 in purchases within first 3 months of account opening
- $8,000 in purchases within first 3 months
- $8,000 in purchases in first 3 months from account opening
Common pitfalls
- New cardmembers only
- May not be available if you have ever had this card
- Accounts subject to credit approval
- Must not have previously had this card
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 100,000 points sign-up bonus, 20,000 points referral share for a total displayed potential of $2,400. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Chase Ink Business Preferred Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is 20,000 points based on 50% of the listed referral payout.
How long do I have to qualify for Chase Ink Business Preferred Bonus?
The qualifying period listed for Chase Ink Business Preferred Bonus is Within 3 months of account opening.
When does Chase Ink Business Preferred Bonus pay out?
The payout timeline listed for Chase Ink Business Preferred Bonus is 6 to 8 weeks after qualifying.
