Chase Ink Business Cash
No annual fee · $240/yr in printed statement credits · 1% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Office supply | 5% | on the first $25,000/year |
| Internet and cable | 5% | on the first $25,000/year |
| Cell phone plans | 5% | on the first $25,000/year |
| Gas | 2% | on the first $25,000/year |
| Dining | 2% | on the first $25,000/year |
| Everything else | 1% | uncapped |
| Rideshare at Lyft only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5% | uncapped |
See how it ranks: best office supply cards · best internet and cable cards · best cell phone plans cards · best gas cards.
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Chase Ink Business Cash welcome bonus rose from 75,000 to 100,000. 2026-09-10
Signup bonus: $1,000 back after $8,000 in 4 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $240/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Instacart+ membership + monthly credit | $240/year | monthly · enrollment required · through 2027-12-31 |
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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- A heavy office supply spender. The 5% on office supply stops after $25,000 of it per year. Past that the same purchases earn its base 1%, so the headline rate describes the first $25,000 only.
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.