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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Ink Business Cash Card card art
Ink Business Cash 1 of 1
Comparing 1 card
Ink Business Cash Card card art
Chase
Ink Business Cash
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
$240
Fee after credits
$240 back credits beat the fee
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
3%
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $750 statement credit, about $750
Bonus
$750 statement credit
Estimated value
$750
Spend to earn it less a month is easier
$6,000 in 90 days about $2,000 a month
Varies by applicant
Yes the issuer may show you a different offer
Earning rates Top rate 5% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2% back on up to $25,000/yr
Gas
2% back on up to $25,000/yr
Office supplies
5% back on up to $25,000/yr
Phone, internet & cable
5% back on up to $25,000/yr
Everything else
1% back
Only on this card
  • 5% back Transit and rideshare
Statement credits $240 a year
Other credits
  • $240 a year $20 every month
    What counts

    Once activated, Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business Account through 12/31/27.

Monthly credits to track fewer is less work
1
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Protection and insurance 5 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Rental car
  • Decline the rental company's collision insurance and charge the entire rental cost to your card for reimbursement up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less; coverage is primary for business rentals.
Extended warranty
  • Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Purchase protection
  • Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item (90 days for New York residents).
Roadside assistance
  • If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
Other coverage
  • Pay off an eligible purchase of $100 or more in smaller, equal monthly payments with a fixed monthly fee instead of interest, with plan durations from 3-24 months.
  • If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services.
Lifestyle and other perks 3 perks
Other perks
  • Complimentary three-month Instacart+ membership (auto renews at $99/year after complimentary period). Enrollment required. $99
  • Earn 40,000 bonus points for each business that gets approved for any Chase for Business credit card, up to 200,000 points per year.
  • Employee cards let you set individual spending limits and help you earn rewards even faster, at no additional cost.
Employee cards Free
Cost
Employee cards are free.
Each one gets
  • Auto rental coverage
  • Extended warranty protection
  • Purchase protection
  • Roadside assistance
  • Travel and emergency assistance
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Business