Ink Business Cash Card
| Annual fee | $0 Fact |
| Foreign transaction fee | 3% |
| Rewards currency | cash back |
| Cash back value | 1.00¢ Fact |
Last updated Oct 23, 2026
Checked Oct 28, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: $1,000 creditView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Jan 2023 · 14 mo | $750 credit | $7,500 |
| Jan 2023 to Apr 2023 · 3 mo | $900 credit | $6,000 |
| Mar 2023 to Oct 2023 · 6 mo | $750 credit | $6,000 |
| Sep 2023 to Jan 2024 · 4 mo | $900 credit | $6,000 |
| Jan 2024 to Sep 2025 · 19 mo | $750 credit | $6,000 |
| Sep 2025 to Nov 2025 · 2 mo | $900 credit | $6,000 |
| Nov 2025 to Jun 2026 · 7 mo | $750 credit | $6,000 |
| Jun 2026 to Sep 2026 · 3 mo | $1,000 credit Best | $8,000 |
| Sep 2026 to now · 2 mo | $750 credit | $8,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Transit and rideshare | 5% | CASH_BACK | No cap |
| Office supplies and internet, cable and phone services | 5% | CASH_BACK | $25,000/yr |
| Gas and EV charging | 2% | CASH_BACK | $25,000/yr |
| Restaurants | 2% | CASH_BACK | $25,000/yr |
| Everything else | 1% | CASH_BACK | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 5% | Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink Business Cash card. |
Recurring credits
Estimated value| Once activated, Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business Account through 12/31/27. Shared across the account
|
$240/yr (Monthly) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsPay 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.
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.
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).
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.
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.
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.
Complimentary three-month Instacart+ membership (auto renews at $99/year after complimentary period). Enrollment required.
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 on the Ink Business Cash
Card factsEmployee cards are free.
Each employee card gets
- Auto rental coverage
- Extended warranty protection
- Purchase protection
- Roadside assistance
- Travel and emergency assistance
Shared across the account
- Monthly instacart credit