Chase Ink Business Cash
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750 cash back once $8,000 of spend posts within your first 4 months. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
Earning Rates
At a glance
- 5% office + internet/phone
- $750 SUB ($900 elevated ended Nov 2025)
- No annual fee
- Converts to UR points
Earning rates
7- 5%
5% cash back on the first $25,000 spent each account anniversary year on combined purchases at office supply stores (covers Staples, Office Depot, OfficeMax, and other merchants coded by the network as office supply stores; technically structured as 4% additional Cash Back on top of the 1% base, per Chase's pricing and terms)
- 5%
5% cash back on the first $25,000 spent each account anniversary year on combined purchases on internet, cable, and phone services (covers business and home internet, cable TV, mobile, and landline phone bills; this category shares the same $25,000 combined annual cap with office supply stores)
- 2%dining
2% cash back on the first $25,000 spent each account anniversary year on combined purchases at gas stations and restaurants (technically structured as 1% additional Cash Back on top of the 1% base, per Chase's pricing and terms; this category has its own $25,000 combined annual cap, separate from the 5% category cap)
- 1%everything else
1% cash back on all other business purchases with no limit on the amount you can earn
- 1%
After $25,000 is spent in a bonus-category bucket each account anniversary year, additional spend in that bucket earns the base 1% cash back rate (the 5% and 2% caps are tracked as two separate $25,000 buckets, not one combined $25,000 cap, per Chase pricing and terms)
- 5%transit
5% cash back total on qualifying Lyft rides through 09/30/2027 (rideshare, bike and scooter rides, and subscription and membership products; technically structured as 4% additional cash back on top of the 1% base rate, billed as a separate line item, per Chase's pricing and terms)
Chase Pay Over Time: eligible cardmembers can split eligible purchases of $100 or more into fixed monthly payments with a fixed monthly fee and no interest, while still earning cash back on the original purchase (per Chase Ink Business Cash product page)
Statement credits
1- $1Cash back is technically earned as Ultimate Rewards points (each $1 in Cash Back = 100 points), redeemable for cash back as statement credit or direct deposit to most U.S. checking and savings accounts at 1 cent per point, gift cards, Apple products via the Ultimate Rewards Apple Store, Pay With Points, and travel through Chase Travel at a flat 1 cent per point baseline; rewards do not expire as long as the account remains open, but unredeemed rewards are forfeited if the account is closed
Perks & memberships
4- Authorized users$0 annual fee on the primary card and on employee cards (Chase does not charge an annual fee on Ink Business Cash)
- Authorized usersNo annual fee on employee cards: free employee cards with the same earning structure as the primary card and the ability to set individual spending limits per employee, helping you earn rewards faster on team purchases (per Chase Ink Business Cash product page)
- Hotel benefitVisa Signature Business benefits on cards issued as Visa Signature Business (typical perks include the Visa SavingsEdge merchant discount program for small business and Visa Luxury Hotel Collection benefits, per Visa's published business cardholder benefits guide; per One Mile at a Time, the Ink Business Cash is issued on the Visa Signature Business network)
- No foreign feesForeign transaction fees: 3% of each transaction in U.S. dollars on every purchase made outside the United States or in a foreign currency (per Chase Ink Business Cash pricing and terms; Ink Business Cash does NOT waive foreign transaction fees, making it a poor choice for international business travel versus Ink Business Preferred or Ink Business Premier which both have no foreign transaction fees)
Travel & purchase protections
6- Primary auto rental collision damage waiver (CDW) when renting for business purposes: decline the rental company's collision insurance and charge the entire rental cost to the Ink Business Cash card, and Chase reimburses up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less. For personal rentals on the card, coverage is secondary in the U.S. and primary outside the U.S. (per Chase Ink Business Cash product page benefit copy)
- Purchase protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item (per Chase Ink Business Cash product page; this is the same per-item cap offered on Ink Business Preferred and is materially stronger than the $500 per claim limit on consumer Chase cards like Freedom Unlimited)
- Extended warranty protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years from the date of purchase (per Chase Ink Business Cash product page)
- Travel and Emergency Assistance Services: legal and medical referrals and other travel and emergency assistance services when traveling away from home (referral-only benefit; cardholder is responsible for the cost of any goods or services obtained, per Chase Ink Business Cash product page)
- Roadside dispatch: 24/7 pay-per-use roadside service available by phone (standard services include towing, tire changing, jump-starting, lockout assistance, fuel delivery, and winching); service fees are billed to the card at the time of dispatch (per Chase Ink Business Cash product page)
- Fraud protection with $0 liability on unauthorized charges and Chase real-time account alerts via email, text, or push notification (per Chase Ink Business Cash product page)
More benefits & fine print (1)ShowHide
- Automatic credit line review: as a Chase Ink Business Cash cardmember, your account is automatically reviewed for a credit line increase every 6 months or sooner (per Chase Ink Business Cash product page)
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Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs:
How to Earn the Bonus
Spend $6,000 in the first 3 months to earn the $750 bonus cash back bonus.
See the Current Offer
Earn $750 bonus cash back
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