Chase Ink Business Cash
No annual fee · $240/yr in printed statement credits · 1% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Office supply | 5% | on the first $25,000/year |
| Internet & cable | 5% | on the first $25,000/year |
| Cell phone plans | 5% | on the first $25,000/year |
| Rideshare | 5% | uncapped |
| Gas | 2% | on the first $25,000/year |
| Dining | 2% | on the first $25,000/year |
| Everything else | 1% | uncapped |
See how it ranks: best cell phone plans cards · best rideshare cards · best gas cards · best dining cards.
Signup bonus: $900 back after $8,000 in 4 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $240/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Instacart+ membership + monthly credit | $240/year | monthly · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Primary auto rental collision damage waiver for business rentals (up to $60,000, vehicle MSRP ≤$125,000)
- Purchase Protection (120 days, up to $10,000/item; NY residents 90 days)
- Extended Warranty Protection (+1 year on warranties ≤3 years, up to 4 years total)
- Travel & Emergency Assistance
- Roadside Dispatch (fee billed at time of dispatch)
- Automatic credit-line-increase review every 6 months
- No annual fee; employee/authorized-user cards free with individual spend controls
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Chase Ink Business Cash vs Chase Freedom Unlimited — which earns more?
- Chase Ink Business Cash vs Chase Freedom Flex — which earns more?
- Chase Ink Business Cash vs Capital One Quicksilver — which earns more?
- Chase Ink Business Cash vs Discover it Cash Back — which earns more?
- Chase Ink Business Cash vs Fidelity Rewards Visa Signature — which earns more?
- Chase Ink Business Cash vs Max Cash Preferred (Elan) — which earns more?
- Chase Ink Business Cash vs Wells Fargo Active Cash — which earns more?
- Chase Ink Business Cash vs Bilt Blue Card — which earns more?
- Chase Ink Business Preferred vs Chase Ink Business Cash vs Chase Ink Business Unlimited — all three side by side
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.