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How would you like to score enough points for $1,250 in free travel? If you own a small business of any kind, even a side hustle flipping items online, you could qualify for the Chase Ink Business Preferred® credit card.

For a limited time, you can earn 100,000 points worth at least $1,250 for travel with a new account. Keep reading for the details so you can get started planning your free vacation.

Ink Business Preferred® Credit Card

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  • Our Rating 4.5/5 How our ratings work Read the review
  • APR21.24% - 26.24% (Variable)
  • Annual Fee$95
  • 100,000 100,000Chase Ultimate Rewards Points More Info

    Earn 100,000 bonus points after you spend $8,000 in the first three months Dollar Equivalent: $2,300 (100,000 Chase Ultimate Rewards Points * 0.023 base)

Those with travel and advertising expenses will like the high earning rates in these categories, plus cardholders can eke out even more value with fully transferable rewards through the Chase Ultimate Rewards portal. One drawback is the modest annual fee, though many can offset this with the card’s earning potential.


This card offers a whopping 100,000 bonus points after you spend $8,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.

Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cellphone protection policy that will cover up to $600 per claim.


  • 3x points on 5 different categories (up to $150,000)
  • Robust travel, purchase and cellphone protections
  • Ability to earn transferable points to use on travel partners
  • No additional charge for extra cards for additional authorized users


  • $95 annual fee
  • Businesses that don't spend on the category bonuses won't benefit

How to Get the Sign-up Bonus

Receiving the sign-up incentive from the Ink Business Preferred card is as easy as applying, being approved and swiping your card. Here's what you'll need to get started.

  1. 1

    Step 1

    Apply as a guest online through Chase Bank's online application. You'll need to enter your personal information (name, birthdate, SSN, etc.) as well as, your business information (business structure, EIN, monthly income and expenses). TIP: If you have a business account with Chase Bank they'll have most of this information pre-populated.

  2. 2

    Step 2

    Typically, credit card issuers have up to 30 days to respond to your application for approval into their program. However, many will give you a decision instantly or within a few days.

  3. 3

    Step 3

    Once you receive approval, you can log into your Chase account, see the details of your sign-up bonus and the deadline to meet the contingencies. Typically, you are given a predetermined spending minimum that you must meet in order to qualify for the bonus. This spending limit must be met within the disclosed amount of time upon account opening.

When you sign up for a new Ink Business Preferred card, you can earn 100,000-points worth $1,000 cash back or $1,250 in travel when redeeming through the Chase Ultimate Rewards portal.

To earn the sign-up bonus, you’ll have to spend $8,000 on the card in the first three months after opening a new account.

It’s easy to book using the Ultimate Rewards travel portal — it offers an experience similar to any major travel comparison site.

Savvy users often transfer rewards points to partner airlines or hotels to redeem for even more value. For example, I took my dad to Israel business class a few years ago using my rewards points.

The Ink Business Preferred bonus is enough points for many U.S. destinations and can get you on track to a trip to nearly anywhere in the world.

Earn 3X Points in Addition to the Sign-up Bonus

While you’re earning the sign-up bonus and using the credit card for regular purchases, you’ll earn 3x points per dollar on shipping purchases, eligible online advertising purchases, internet, cable, phone services and travel. You can earn the 3x rate on up to $150,000 in combined annual purchases; then, you’ll earn the card’s regular 1x rate.

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Points are worth one cent each when redeemed for cash back or 1.25 cents when redeemed for travel.

If you also have a Chase Sapphire Reserve card, you can combine points for a 1.5 cent per dollar redemption value.

Ink Business Preferred Benefits

As a premium business credit card with a $95 annual fee, the card also comes packed with valuable purchase and travel coverage. Those include:

  • Trip cancellation/trip interruption insurance
  • Auto rental collision damage waiver (a.k.a. rental car insurance)
  • Cell phone protection
  • Purchase protection
  • Extended warranty protection

This credit card may be worth keeping forever, thanks to cell phone protection. If your phone is damaged or stolen and paid for with this card, repairs or replacement are covered once you pay a $100 deductible. Due to an unfortunate incident, I just filed a cell phone protection claim last week.

What Can You Do With $1,250 in Free Travel?

I have a long travel bucket list and could quickly come up with ways to put $1,250 in free flights or hotels to good use.

Once you earn the 100,000 point bonus, it’ll be time to pull out your travel list and book that trip.

Related Article

Chase Travel Rewards: Guide to Chase Ultimate Rewards

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Frequently Asked Questions

  • Capital One and Chase Ink are big names in the credit card space. The comparison between the two could be quite extensive because each credit card line has several card offerings, with each card having different reward categories. However, Capital One and Chase Ink will offer incentives such as cash-back rewards, sign-up incentive offers, and specialized rewards categories. 

  • The perks of having a business credit card extend past just the rewards you receive throughout the year due to your spending. Some perks of business cards include a credit line for your business to finance big purchases, opportunities to earn cash-back rewards, and purchase protection.

  • No, the Ink Business Preferred credit card is not metal, it is plastic.

  • While business credit cards can be an asset to your company, when not used properly they can pose some disadvantages including negatively impacting your personal credit and high-interest fees on unpaid balances.

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Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or