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Ink Business Preferred: 100,000 points after $8,000 in 3 months, $95 fee

What the bonus is worth: $1,250 through Chase Travel; more via transfer partners.

Business card — a side business, freelance work or resale counts (apply as a sole proprietor with your SSN).

Our take

The best points-per-dollar-of-fee deal Chase offers. 100k Ultimate Rewards for $95 is as good as it gets, and because it's a business card it won't count against 5/24. The $8,000 spend is the only hurdle — time it with a big purchase, tax payment or a tuition bill.

Who it's for

Anyone with a side business, freelance income or resale — a sole proprietorship with your SSN qualifies. The $8,000 spend wants a big planned expense.

Rates & fees at a glance

Welcome bonus	100,000 points
Spend requirement	$8,000 in the first 3 months
Annual fee	$95 (Business card — a side business, freelance work or resale counts (apply as a sole proprietor with your SSN))
APR	17.99%–26.99% variable APR on purchases
Earns	Ultimate Rewards points
Network	Visa
Checked	Oct 8, 2026 on Chase's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: Chase's Ink Business Preferred page, Oct 8, 2026: “Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.” Annual fee $95. Source: creditcards.chase.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

Do I need a real business?

You need business income, but a sole proprietorship counts: freelancing, reselling, consulting, rental income. You apply with your own name and Social Security number as the business.

Answered by StackTheDeal

Does Ink count toward 5/24?

The Ink cards don't appear on your personal credit report, so they don't add to your 5/24 count. But you need to be under 5/24 to get approved for one.

Answered by StackTheDeal

The $8,000 in 3 months is a lot. What counts?

Any purchases, personal or business, on the card. Taxes paid by card, insurance, and bulk supplies are common ways people hit it. Fees and balance transfers don't count.

Answered by StackTheDeal

Can I transfer the points to my Sapphire?

Yes. Ultimate Rewards points move freely between your own Chase cards, so you can combine Ink points with a Sapphire Preferred to transfer them to airlines or hotels.

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How soon do the points post?

Usually with the statement after you cross $8,000, about 6 to 8 weeks.

Answered by StackTheDeal

Can I get this again?

Chase's rule for Ink cards is no bonus on the same card if you currently hold it or got its bonus in the last 24 months. Many people hold more than one Ink.

Answered by StackTheDeal

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Questions about this offer?

💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.