Chase Massively Dropped The Spending Requirement On 100,000 Point Bonus Offer

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The Ink Business Preferred® Credit Card has a new 100,000 point initial bonus offer. These are Ultimate Rewards points that transfer to airline miles or hotel points. And the spending requirement to earn this bonus has been reduced significantly.

  • The offer that I’ve been aware of was for 100,000 points but required $15,000 spend within 3 months. That deterred a lot of people from considering it.

  • Now the offer is 100,000 points after spending $8,000 on purchases in the first 3 months from account opening.

  • That’s at least a 46% reduction in required spending. And it’s less than $2,700 per month which is more in reach for many people, especially if you put all available spend on a card and prepay some expenses.

Moreover Ink Business Preferred® Credit Card may be pound for pound Chase’s best rewards card.

It doesn’t offer Priority Pass membership (I have several of these from other cards) but it has a $95 annual fee.. not a fee of $350 – $700. Ink Business Preferred® Credit Card has a modest annual fee, a great up front offer, and you still get triple points on the first $150,000 spent each year on travel (like with Sapphire Reserve) and on shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines too.

Many readers can get a business card and probably should. It is one of the things you should do as you start your business, allowing you to separate business from personal expenses and build the credit history and identity of your business.

Here are 12 things I love about the new Ink Business Preferred:

  1. 100,000 Point Signup Bonus Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. As you’ll see below, that can even be enough for a roundtrip business class award ticket between the US and Europe. (Chase points are super valuable because they transfer directly to a variety of airlines and hotels.)

  2. 3 Points Per Dollar on Travel

    Chase points are one of the most valuable currencies and you’ll earn 3 points per dollar on travel — that’s airlines, hotels, rental cars, tolls, even Uber.

  3. 3 Points Per Dollar on Shipping and Advertising on Social Media and Search Engines

    This is great for anyone who advertises on Facebook or Twitter, or who spends money advertising with Google. And those bills add up quickly. Earning triple points on that spend is going to be a really big boost.

  4. $150,000 spend cap on bonus categories

    Previously Chase’s business cards capped category bonus spend at $25,000 or $50,000 in a year. Being able to keep spending on this card in a big way is a great move for Chase to encourage not just a little bit of spend but a lot of spend through the product, and to let you keep earning big bonus points.

  5. Protection against theft or damage for your cell phone. Covers theft or damage for you and your employees listed on your monthly cell phone bill when you pay it with your Chase Ink Business Preferred credit card. Up to 3 claims in a 12 month period with a $100 deductible per claim.

    Now, I got my cell phone’s cracked screen covered when I paid for it with my Chase Sapphire Preferred Card — but that was purchase protection, cracked the screen shortly after I purchased the phone.

  6. You can get more than one Ink Business Preferred Card if you have more than one business.

    Chase won’t approve this for everyone, of course, they’ll consider how much credit they wish to extend to you. But they don’t limit you to one card if you have multiple businesses.

  7. Ultimate Rewards Mall

    Additional points for your online shopping through access to the Chase Ultimate Rewards mall, a mileage-earning shopping portal that often has the most lucrative opportunities to earn extra points for the online purchases you’d make anyway.

Historically “5/24 limits” have applied to the card. That’s not a surprise, there are cards that Chase won’t give to some people who have had 5 or more new cards within the last 24 months. However getting this card does not seem to add to you’re 5/24 total.

Ink Business Preferred® Credit Card

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. lol I just applied for this card days ago; haven’t even received it in the mail yet. Bummer for me, great deal for those who are able to take advantage of this.

  2. @Tony, call Chase and ask them to match. Should be a no brainer since you haven’t activated the card and could cancel and reapply

  3. If I already have a Chase Sapphire Reserve Card am I eligible for the 100,000 Ultimate Rewards points on this card?

  4. I was rejected. Recon agent quoted 5/24 as the reason. He told me busness cards do count toward the 5. The written rejection stated not enough business relationship with chase. I have 3 chase business cards (2 this year), so I presume they want a chase bank account.

  5. Gary did you notice that X1 card was purchased by Robinhood and will be rebranded?

    Hopefully this will bring some new promos and maybe a web portal.

    It’s basically a 3% card if you stick to “boost” categories and redeem for .01 credits at REI or major airlines (though most of us buy airline tix with Amex Plat or CSR).

  6. If you had this card in the past, would you be able to re-apply to get the sign-up bonus? I don’t see any rules on this on this on the “offer details”.

  7. This is fairly old news as I saw this offer and applied in late September. I got the card in early October. Since we had budgeted nearly the required spending amount for new flooring in our home, it was a no-brainer compared to using an existing card for payment.

  8. @gary I did this offer in august, and it was around for a while before that.
    The ink cash and ink unlimited offer is much better 90k for 6k spend with no af. If you use P2 referral links figures to 23% return from every pair of cards. You can open another set every 90 days.

  9. @ Gary stick to blogging about rude passengers credit cards don’t seem to be your thing

  10. While the headline is technically correct the lower spending requirement took effect last year.

  11. Did you not notice that the minimum spend requirement was lowered a tear ago?

  12. Hey Gary, when are you going to apologize and comment on your post yesterday regarding the MAGA hat Karen? Live and Let’s Fly has all the information you need that it was fake and you were gullible, as usual. Or will you just sit there quietly and post credit card links until you find your next click bait junk that you vett for what, 30 seconds?

    Dude, you are not a thought leader. You are a thought monetizer. Get with the program and don’t be part of the problem.

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