Chase Ink Business Cash

Earning Rates

Key Benefits

• 5% office + internet/phone
• $750 SUB ($900 elevated ended Nov 2025)
• No annual fee
• Converts to UR points

All Benefits

• New cardmember welcome offer: earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening (technically structured as 75,000 bonus Ultimate Rewards points that can be redeemed for $750 cash back at 1 cent per point, per Chase's pricing and terms on the Ink Business Cash product page)
• $0 annual fee on the primary card and on employee cards (Chase does not charge an annual fee on Ink Business Cash)
• 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% 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% 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% cash back on all other business purchases with no limit on the amount you can earn
• 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% 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)
• Cash 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
• Ultimate Rewards transfer partners (1:1) and Chase Travel Points Boost: Not offered with Ink Business Cash alone; you must pool points into a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred / Ink Business Premier account to convert cash back into transferable Ultimate Rewards points and access the 13 airline and hotel transfer partners, per One Mile at a Time and Frequent Miler product coverage
• 0% introductory APR for 12 months from account opening on purchases (no intro APR on balance transfers); after the intro period, a variable purchase APR of 16.74% to 24.74% applies (each based on Prime Rate plus a margin, capped by Chase at 29.99% under the variable APR cap formula on the Chase Ink Business Cash pricing and terms as fetched 2026-05-22)
• No 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)
• 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)
• Visa 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)
• 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)
• 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)
• EMV chip-enabled card with contactless tap-to-pay for in-person purchases worldwide (per Chase Ink Business Cash product page)
• 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)
• Year-end account summaries and expense tracking: downloadable transactions in CSV, QFX, and QBO formats, plus integrations with QuickBooks, Quicken, and Excel via Chase Online for Business, to simplify bookkeeping at tax time
• Foreign 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)
• Cell phone protection: Not offered (the Ink Business Cash does not include the up-to-$1,000-per-claim cell phone protection benefit that Chase offers on Ink Business Preferred, Ink Business Premier, and the Sapphire-tier cards, per One Mile at a Time and NerdWallet Ink Business Cash reviews)
• Trip cancellation, trip interruption, and trip delay insurance: Not offered (these benefits are reserved for premium Chase travel cards like Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, and Ink Business Premier, per One Mile at a Time Ink Business Cash review)
• Lounge access: Not offered (no Priority Pass, Sapphire Lounge, or other airport lounge access is included with Ink Business Cash)
• Elite status: Not offered (no complimentary hotel or airline elite status is included with Ink Business Cash)
• Annual statement credits: Not offered (no DoorDash dollar credit, no Global Entry / TSA PreCheck / NEXUS application fee credit, no airline incidental credit, and no hotel credit; these perks are reserved for premium Chase cards like Sapphire Reserve and Ink Business Premier)
• Rotating quarterly bonus categories: Not offered (the 5% bonus categories on Ink Business Cash are fixed at office supply stores and internet/cable/phone, not rotating, and there is no quarterly activation requirement; per Chase's product page the bonus categories are evergreen year-round)
• Subject to Chase's 5/24 rule for application approval: applicants who have opened 5 or more credit cards across any issuer in the prior 24 months are typically denied for Chase Ink Business Cash, per widely documented Chase underwriting behavior (well-documented in the points and miles community at Doctor of Credit and One Mile at a Time)

Chase Ultimate Rewards points transfer to these loyalty programs:

United MileagePlus

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Southwest Rapid Rewards

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British Airways Avios

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Singapore KrisFlyer

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Air France/KLM Flying Blue

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Emirates Skywards

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Air Canada Aeroplan

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World of Hyatt

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Marriott Bonvoy

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IHG One Rewards

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