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Card Review

Credit CardChase
Ink Business Cash credit card

Ink Business Cash

Annual Fee

$0

Welcome Bonus

750 pts welcome offer

EST. Net Value

$1,298/yr

Credit Score

Varies

Top Earn Rate

5x everything else


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

5x

Gas

2x

Where it wins:
No annual fee — every dollar of rewards and credits is net value.

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. On WalletFlo's typical spend profile, the OneCard engine estimates $1,278.00 in rewards plus $20.00 in credits and perks — $1,298.00 net per year before welcome bonuses.

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.

CategoryRate
  • Everything elsePhone Bill
    5×
  • Everything elseLyft
    5×
  • Gas
    2×
  • Everything elseAll Purchases
    1×

Welcome offer

750 points

  • Spend $6,000 in 90 days
  • Est. value: $8 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • No statement credits listed for this card

Benefits

  • 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.

  • Travel and Emergency Assistance

    Provides legal and medical referrals and access to other travel and emergency assistance services when you run into a problem while traveling away from home.

  • 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 at time of dispatch.

  • 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.

  • Employee cards at no additional cost

    Set individual spending limits and help earn rewards faster.

  • Refer Business Owners

    Earn 40,000 bonus points for each business that gets approved for any Chase for Business® credit card.

  • Chase Pay Over Time®

    Lets eligible Chase business card customers break up credit card expenses of $100 or more into manageable monthly payments with a fixed monthly fee.

  • Complimentary Instacart+ membership

    Enroll in your complimentary three-month lnstacart+ membership. Auto renews at $99/year after complimentary period. Benefit ends 12/31/27.

  • Monthly Instacart credit$20/yr

    Once activated, lnstacart+ members get a $20 Instacart credit each month automatically loaded into their lnstacart Business Account. Benefit ends 12/31/27.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$0
Stated credits+$0
Perks (est.)+$20
Net after credits & perks$20

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$1,298/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • There's no annual fee — focus on whether the earn rates beat cards you already carry.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Ink Business Cash

Apply Now