Chase Ink Business Preferred — 100,000 Ultimate Rewards Sign-Up Bonus (2026 Review)
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Key Benefits
- 3x on travel, shipping, internet, phone, advertising
- Points transfer to airline/hotel partners
- Primary rental car insurance
- No foreign transaction fees
Overview
The Chase Ink Business Preferred is currently offering 100,000 Ultimate Rewards after $8,000 in purchases within 3 months. It carries a $95 annual fee, with no first-year credits to soften it. Estimated net year-one value: $905 based on a 1¢ per-point valuation.
Who This Card Is For
Self-employed or sole-proprietor users with at least $2,667/month in deductible business spend who want a SUB that doesn't count toward Chase 5/24 or other personal-card velocity caps.
How to Maximize the Sign-Up Bonus
To hit the $8,000 requirement in 3 months, you need about $2,667 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the Chase Ink Business Preferred until you've earned the 100,000 Ultimate Rewards bonus. Because this is a business card, sign-up bonus earnings post separately from personal-card velocity rules at most issuers — so it can run in parallel with a personal SUB chase. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
Pros
Cons
How This Compares
Among Chase business cards in our catalog, the Chase Ink Business Preferred is the only active SUB option, so the comparison is mostly against other issuers' equivalents at the same fee tier.
Frequently Asked Questions
What's the current Chase Ink Business Preferred sign-up bonus?
The current bonus is 100,000 Ultimate Rewards after spending $8,000 on purchases within 3 months of account opening.
What's the Chase Ink Business Preferred annual fee?
The annual fee is $95.
Does the Chase 5/24 rule apply to this card?
Chase business cards count *against* 5/24 (i.e. they will deny you if you're over 5/24), but they do not *add to* your 5/24 count once approved. So a successful approval here doesn't burn a personal-card slot.
How long does the Chase Ink Business Preferred sign-up bonus take to post?
Once you cross the $8,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Sources (1)
We last checked this against the bank's page on August 16, 2026.
Historical Promotions
This product has offered 120,000 Ultimate Rewards before (ended ~2024-09-02) — the current 100,000 Ultimate Rewards is below its historical high.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.