Master the 100,000 Point Bonus: Why the Ink Business Preferred is Still King
The Chase Ink Business Preferred® Credit Card has long been a staple in the wallets of travel rewards enthusiasts, and for good reason. With a massive welcome offer and a manageable annual fee, it provides one of the most efficient ways to earn a large stack of valuable Chase Ultimate Rewards points.
Quick Offer Summary
- Welcome Bonus: 100,000 Ultimate Rewards points
- Spend Requirement: $8,000 in the first 3 months
- Annual Fee: $95
- Offer Value: ~$2,050 (based on $0.0205 per point valuation)
Bonus and Spend Requirement
New cardmembers can earn 100,000 bonus points after spending $8,000 on purchases in the first 3 months from account opening. While $8,000 may seem high, it averages to about $2,667 per month. For businesses with regular expenses or those planning a major purchase, this is a prime opportunity to “buy” points at a fraction of their value through organic spend.
Annual Fee
The card carries a $95 annual fee. Unlike many premium travel cards with fees ranging from $250 to $695, the Ink Business Preferred remains highly accessible while still offering top-tier transfer capabilities.
Key Credits and Benefits
- 3x Points: On travel, shipping, internet/cable/phone services, and advertising purchases (up to $150,000 in combined spend each account anniversary year).
- 1x Points: On all other purchases.
- Cell Phone Protection: Up to $1,000 per claim against theft or damage for you and your employees listed on your monthly bill.
- No Foreign Transaction Fees: Perfect for international business travel.
- Transfer Power: Points can be transferred 1:1 to valuable partners like World of Hyatt, Southwest, and United.
Estimated First-Year Value Table
| Category | Value |
|---|---|
| Welcome Bonus (100k points @ 2.05cpp) | $2,050 |
| Points from Minimum Spend ($8k @ 1x) | $164 |
| Annual Fee | -$95 |
| Total Net First-Year Value | $2,119 |
PointsGobbler Verdict
The Ink Business Preferred is a powerhouse. The 100,000-point bonus is effectively worth over $2,050 when used strategically with transfer partners. Even if you only book through the Chase Travel portal, the points are worth $1,250 (1.25 cents per point). If you have a business or even a modest side hustle, this is arguably the best “bang for your buck” offer in the market right now.
Always confirm the latest terms and offer availability on the official Chase website before applying.