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PROGRAMME PROFILE
Chase Ink Business Cash® Credit Card: profile
Chase Ink Business Cash is a business cash back credit card issued by JPMorgan Chase Bank, N.A. that pays 5% cash back on the first $25,000 spent each account anniversary year at office supply stores and on internet, cable and phone services, and carries a $0 annual fee. [1]
Facts checked: 18 October 2026
Key takeaways
- The card pays 5% cash back on the first $25,000 spent each account anniversary year in combined purchases at office supply stores and on internet, cable and phone services, then 1%. [1]
- It pays 2% cash back on the first $25,000 spent each account anniversary year in combined purchases at gas stations and restaurants, then 1%, and 1% on everything else with no limit. [1]
- The annual fee is $0 and employee cards cost nothing extra. [1]
- Cash back is tracked as points, and points do not expire while the account remains open. [1]
What does the Ink Business Cash earn?
Earning on the Ink Business Cash runs on three tiers, two of which carry an annual cap measured in account anniversary years. [1]
| Purchases | Cash back | Cap and rate after the cap |
|---|---|---|
| Office supply stores; internet, cable and phone services (combined) | 5% | First $25,000 each account anniversary year; 1% after that [1] |
| Gas stations and restaurants (combined) | 2% | First $25,000 each account anniversary year; 1% after that [1] |
| All other purchases | 1% | No limit [1] |
| Qualifying Lyft rides | 5% total | Through 30 September 2027 [1] |
The headline rates are layered on a 1% base: the 5% rate is described as 4% additional cash back on top of the 1% earned on every purchase, and the 2% rate as 1% additional on that same base. [1] Once $25,000 has been spent within either combined group in an account anniversary year, that group earns 1% for the rest of the year with no maximum. [1]
The Lyft rate covers rideshare, bike and scooter rides, and subscription and membership products bought through the Lyft app. [1] Gift cards, car rentals, vehicle service centers and miscellaneous Lyft fees are excluded, and the extra cash back appears on the billing statement as a separate line from base cash back. [1]
How are the rewards tracked and redeemed?
Chase tracks cash back rewards as points, with each $1 in cash back equal to 100 points. [1] Points can be used for available reward options including cash, gift cards, travel, and pay with points for products or services offered through the programme or directly by third-party merchants, and redemption values for those options may vary. [1]
Points do not expire as long as the account remains open. [1] All points are lost immediately, however, if the account status changes or the account is closed for programme misuse, fraudulent activities or other reasons set out in the Rewards Program Agreement. [1] The current Rewards Program Agreement is published at chase.com/inkbusinesscash/rewardsagreement, is also available to cardmembers after logging in at chase.com/ultimaterewards, and is mailed for new or changed accounts. [1]
What does the $750 new cardmember offer require?
The advertised new cardmember offer is $750 cash back after $6,000 in purchases in the first three months after account opening. [1] After qualifying, Chase asks cardholders to allow six to eight weeks for the bonus to post, and the account must be open and not in default at the time the bonus is fulfilled. [1]
The bonus may not be available to a business that has held this card, or any other Chase for Business card without an annual fee, and Chase may also weigh factors specific to the business when deciding bonus eligibility. [1] Offers can vary by where the application is made, such as online or in a branch, and can change over time. [1]
Purchases for the offer exclude balance transfers, cash advances and cash-like transactions such as travelers checks, foreign currency, money orders, wire transfers and cryptocurrency, along with lottery tickets, casino gaming chips, race track wagers, person-to-person money transfers, account-funding transactions, checks drawn on the account, interest, unauthorized or fraudulent charges and fees of any kind. [1]
How does it compare with other Chase business cards?
Chase lists the Ink Business Cash alongside other Ink cards in its business range: the Ink Business Unlimited, advertised as unlimited 1.5% cash back with a $0 annual fee; the Ink Business Preferred, advertised at 3X on travel and business categories with a $95 annual fee; and the Ink Business Premier, advertised as unlimited 2.5% cash back on large purchases with a $195 annual fee. [3] The Ink Business Cash itself has a $0 annual fee. [1] [4]
Conditions, caps and exceptions
- Caps are combined, not per merchant. The $25,000 ceiling applies to spending grouped together in each pair of categories, so office supply store spending counts against the same $25,000 as internet, cable and phone bills, and gas station spending counts against the same $25,000 as restaurant spending. [1]
- Purchases that earn nothing. Balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, checks that access the account, interest, unauthorized or fraudulent charges, and fees of any kind do not count as purchases and earn no points. [1]
- Interest and repayment terms. The card has a 0% intro APR for 12 months from account opening on purchases, then a 16.99%–24.99% variable APR. [1]
- Instacart+ benefit. Eligible card accounts receive one complimentary three-month Instacart+ membership when activated with an eligible card at instacart.com/p/chase-ink between 1 May 2025 and 31 December 2027, using a United States address; it renews automatically at $99 a year unless cancelled during the complimentary period, and the associated benefits end 31 December 2027. [1] While the membership is active, a $20 Instacart credit is loaded each month and does not roll over into the following month. [1]
- Employee cards. Employee cards are issued at no additional cost, and individual spending limits can be set for each cardholder; authorized users otherwise have equal charging privileges. [1]
- Pay Over Time. Purchases of at least $100 may be eligible to be paid over time, excluding cash-like transactions, fees owed to Chase and purchases made under a separate promotion or special finance programme; access is not guaranteed and depends on factors such as creditworthiness, credit limit and account behaviour. [1]
Frequently asked questions
Does the Ink Business Cash charge an annual fee?
No. Chase lists the annual fee as $0, alongside a 0% intro APR for 12 months from account opening on purchases and a variable APR of 16.99%–24.99% afterwards. [1]
Is there a cap on the 5% cash back?
Yes. The 5% rate applies to the first $25,000 spent each account anniversary year in combined purchases at office supply stores and on internet, cable and phone services; after that, those purchases earn 1% with no maximum. [1]
Do Ink Business Cash rewards expire?
Points do not expire while the account stays open, but all points are lost immediately if the account status changes or the account is closed for programme misuse, fraudulent activities or other reasons in the Rewards Program Agreement. [1]
How long does the $750 bonus take to post?
Chase asks cardholders to allow six to eight weeks after the $6,000 qualifying spend is completed, provided the account is open and not in default. [1]
Can a business add employee cards?
Yes. Employee cards are issued at no additional cost and can be given individual spending limits. [1]
Sources
Sources checked on 18 October 2026. Other Chase business cards, including Ink Business Unlimited, Ink Business Preferred and Ink Business Premier, are not covered here; this profile covers only the Ink Business Cash card and its published terms in the United States market.
- Ink Business Cash Credit Card page, Chase, checked 18 October 2026
- Compare Chase for Business credit cards, Chase, checked 18 October 2026
- Business credit cards, Chase, checked 18 October 2026
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