Credit calendar

Chase Ink Business Cash credits

Every recurring credit on the Chase Ink Business Cash, with the cap, cycle and reset date that decide whether you actually capture it.

Card terms last verified against issuer pages on 2026-09-20.

The short answer

The Chase Ink Business Cash carries 1 recurring statement credit worth $240 a year. 0 reset on the calendar year and expire on 31 December; 1 reset on your account anniversary. 1 are capped monthly and cannot be carried forward.

$240face value a year, with no annual fee

0expire on 31 December

1capped monthly or quarterly, so they cannot be carried forward

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$20 Monthly Instacart Credit enrol first Receive a $20 Instacart credit each month you have an active Instacart+ membership, when you pay with your eligible Ink card. Credit applies to one retailer per order on Instacart.com and excludes taxes, service and delivery fees, tips and special handling fees. Unused credit does not roll over to the next month. Enrollment required at instacart.com/p/chase-ink. Benefit valid through 2027-12-31.

Monthly, resets on the cardmember year

$20

$240

The monthly credits are the ones people lose

$20 Monthly Instacart Credit is capped per month. An unused month does not roll forward, so the annual figure the card is marketed on assumes you spend at those specific merchants every single month. Most people do not, which is the single biggest gap between a premium card's advertised credit value and what it is worth to you.

Questions people ask

When do the Chase Ink Business Cash credits reset?

All 1 reset on your cardmember year — that is, your account anniversary date, not 1 January.

Which Chase Ink Business Cash credits require enrolment?

1 of 1: $20 Monthly Instacart Credit. Enrolment is not retroactive at most issuers, so a purchase made before you enrol usually will not be credited.

How much are the Chase Ink Business Cash credits worth in total?

$240 a year at face value. That is the sum of the caps, not what a typical cardholder captures — 1 of them are monthly and expire unused each month, and each is restricted to specific merchants.

Verified 2026-09-20. See the full Chase Ink Business Cash page, or every credit across every card.