Chase
Ink Business Cash
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Card review
Ink Business Cash
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
1,000 pts welcome offer
Est. net value
Run calculator
Credit score
Varies
Top earn rate
5x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Ink Business Cash from Chase carries no annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
How the points work
5X on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each year.
2X on the first $25K spent in combined purchases at gas stations and restaurants each year.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elsePhone Bill | 5× |
| Everything elseLyft | 5× |
| GasGas | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
1,000 points
- Spend $8,000 in 120 days
- Est. value: $10 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
- Travel and Emergency Assistance
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.
- Roadside Assistance
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.
- Instacart+ Membership
Enroll in a complimentary three-month Instacart+ membership. Plus, get a $20 Instacart credit each month with an active membership. Benefits end 12/31/27.
- Employee cards at no additional cost
Employee cards let you set individual spending limits and help you earn rewards even faster.
- Chase Pay Over Time®
Break up eligible credit card purchases of $100 or more into manageable monthly payments with a fixed monthly fee.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.