Chase Ink Business Cash
No annual fee, earning Chase Ultimate Rewards Points, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase Ink Business Cash is a no annual fee card from Chase earning Chase Ultimate Rewards Points. It earns 5x on office supply, 5x on internet, cable & phone services, 2x on gas and 1x on everything else. It carries 1 recurring statement credit worth $240 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on Chase Ultimate Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Office Supply | 5x | |
| Internet, Cable & Phone Services | 5x | |
| Gas | 2x | |
| Dining | 2x | |
| Other | 1x | Everything else |
Statement credits
$240 a year across 1 credit . The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Instacart+ Membership (3 Months)Complimentary 3-month Instacart+ membership: $0 delivery fees on grocery and retail orders of $10+, and Costco and eligible restaurant orders of $25+. Auto-renews at $99/year after the complimentary period unless cancelled. Enrollment required at instacart.com/p/chase-ink. Valued at approximately $25. | Once a year | ~$25 |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Purchase Protection — Covers new purchases for 120 days against damage or theft up to $10,000 per claim
- Cell Phone Protection — Up to $600 per claim (up to $1,200 per year) for cell phone damage or theft when you pay monthly bill with card
- Extended Warranty Protection — Extends manufacturer warranty by up to 1 additional year on eligible warranties of 3 years or less
- Travel Benefits — Trip cancellation/interruption insurance, baggage delay insurance, and auto rental collision damage waiver
Questions people ask about the Chase Ink Business Cash
What is the annual fee on the Chase Ink Business Cash?
The Chase Ink Business Cash has no annual fee.
What statement credits does the Chase Ink Business Cash include?
It carries 1 recurring statement credit worth $240 a year in total: $20 Monthly Instacart Credit ($20 monthly, resets on the cardmember year). Verified 2026-09-20.
What does the Chase Ink Business Cash earn?
5x on office supply, 5x on internet, cable & phone services, 2x on gas, 2x on dining, and 1x on everything else, in Chase Ultimate Rewards Points.
Does the Chase Ink Business Cash charge foreign transaction fees?
Yes — the Chase Ink Business Cash charges a foreign transaction fee on purchases made outside the United States.
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