Ink Business Cash® Credit Card
No-annual-fee category cash-back: 5% office supplies + telecom (capped), 2% gas + dining (capped), 1% else, plus 12-month 0% intro APR on purchases
Costs & Pricing
Annual fee (primary): $0
Employee card fee: $0
Purchase APR: 16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)
Intro APR (purchases): 0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)
Intro APR (balance transfers): Not offered (BT APR = purchase APR range; account may not be eligible for balance transfers)
Foreign transaction fee: 3%
Cash advance APR: 28.49% variable (Prime + 21.74%, max 29.99%); fee $15 or 5%, whichever greater
Late payment fee: $40
Penalty APR: Up to 29.99% variable (Prime + up to 26.99%); missed minimum or returned payment; may apply indefinitely
Other fees: Balance-transfer fee $5 or 5% if eligible. Pay Over Time: 0% monthly plan fee during intro; up to 1.72% monthly after (purchases $100+; access not guaranteed). Minimum interest charge none. Overlimit not listed. Daily balance method including new transactions. Grace: due date ≥20 days after cycle close.
Rewards & Value
Bonus Categories & Promotions
- ★ 5% total (4% + 1% base) on first $25,000 combined per account anniversary year at office-supply stores and on internet, cable, and phone services — then 1%
- ★ 2% total (1% + 1% base) on first $25,000 combined per account anniversary year at gas stations and restaurants (including takeout and eligible delivery) — then 1%
- ★ 5% total on qualifying Lyft rides through 9/30/2027 (4% extra on top of 1%; gift cards, car rentals, vehicle service, misc. fees excluded)
Partner Credits & Perks
- ✓ Instacart+ 3 months complimentary, then $99/year auto-renew unless canceled (activate at instacart.com/p/chase-ink; window cited 5/1/2025–12/31/2027)
- ✓ Instacart $20/month credit after activating membership (through 12/31/2027; no rollover; excludes taxes/fees/tips; one per household)
- ✓ Lyft 5% total earn through 9/30/2027 (not a statement credit)
Transfer partners: Not native. Points can be moved to another Ultimate Rewards card belonging to you, a household member, or a company owner. Airline/hotel transfers only after combining onto Ink Preferred, Sapphire Preferred/Reserve, or Sapphire Reserve for Business.
Credit, Limits & Spending
Credit limit: Fixed preset revolving limit (not NPSL). Automatically checked for a credit-line increase at least every 6 months. Starting ranges not disclosed (secondary reviews often cite ~$1,100 minimum — unverified).
Personal guarantee: Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business
Credit check: Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)
Recommended credit: Good–excellent / ~670+ FICO (review-site guidance, not an issuer cutoff)
Employee cards: Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.
Virtual cards: Not a Ramp/Brex-style platform. Standard Visa + Chase lock/unlock, alerts, employee limits.
Product type: Revolving business credit card
Network: Visa Business
Benefits, Protections & Tools
Travel
- ✓ Primary business-use auto rental collision reimbursement up to $60,000 (vehicles MSRP $125,000 or less; full rental on card; CDW declined; file within 100 days)
- ✓ Roadside dispatch (fees billed to the card)
- ✓ Travel and Emergency Assistance (referrals only; cardmember pays underlying costs)
- ✓ Baggage delay: up to $100/day after 6+ hours, max 5 days, essentials only (Chase education article covering Cash/Unlimited/Preferred/Premier; lost-luggage dollar cap not on the Cash product page)
- ✓ Trip delay/cancel and travel accident insurance: not listed on the Cash product-page stack — Unclear / likely not offered; confirm Guide to Benefits
Purchase Protections
- ✓ Purchase protection: 120 days damage/theft, up to $10,000 per item (90 days in NY). Secondary sources add $50,000 per-account cap — confirm guide
- ✓ Extended warranty: +1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years from purchase)
- ✓ Zero Liability unauthorized-charge policy
Business Tools
- ✓ Employee cards + per-card spend limits + purchase alerts + lock/unlock
- ✓ Bookkeeping-software integration; quarterly reports; up to 24 months of statements
- ✓ Chase Travel booking with points or card
- ✓ Chase Pay Over Time installment option
- ✓ Refer-a-business: marketing cites 40,000 bonus points per approved referred Chase for Business card, cap 200,000 points/year (promo terms can change)
Eligibility & Application
Who can apply: U.S. small businesses including sole prop, LLC, C-corp, S-corp, partnership, DBA/freelancer. Nonprofit/holding-company treatment not specifically disclosed.
Business requirements: No published time-in-business or revenue floors. SSN-only sole-prop path exists; EIN accepted if the business has one.
Issuer rules: Chase 5/24 commonly reported as an application filter (not printed on the product page). Welcome bonus blocked if you ever held this card or another $0-AF Chase business card. Product changes generally do not pay a new-card bonus.
Application impact: Personal hard inquiry expected. Approved Ink accounts generally do not increment 5/24 because they usually do not appear as personal tradelines (commonly reported).
Best for: No annual fee Office supply Telecom 0% intro APR Free employee cards Ultimate Rewards
Pros & Cons
Pros
- ✓ $0 annual fee with 5%/2%/1% structure and a $1,000 / $8,000 / 4-month public bonus as of Sept 2026
- ✓ 12-month 0% intro APR on purchases (lost only if a minimum payment is missed)
- ✓ Employee cards $0; AU spend earns rewards and counts toward the bonus and category caps
- ✓ Cash back is Ultimate Rewards points and combinable with a transferable Chase card
- ✓ Primary business rental-car coverage up to $60,000 and solid purchase/extended-warranty terms for a no-fee card
Cons
- ✗ Bonus categories cap at $25k each per anniversary year, then 1%
- ✗ 3% foreign-transaction fee
- ✗ Base rate 1% loses to flat 1.5–2% cards outside the bonus buckets
- ✗ Personal guarantee + personal hard pull + commonly reported 5/24 filter
- ✗ Welcome bonus blocked if you ever had this card or another $0-AF Chase business card; no cell-phone protection, lounges, or TSA credit
Buy (office/telecom specialist)
Ink Cash is the category SKU in the $0-AF Ink pair — not Unlimited (flat 1.5%) and not Preferred ($95, 3x ads/shipping/travel, $0 FTF, native transfers). It wins when office supplies and phone/internet/cable bills (plus some gas and dining) sit under two separate $25k anniversary caps. Pair it with Unlimited or Preferred rather than using it as an uncapped daily driver. Skip it for foreign spend, ad-heavy businesses, no-PG underwriting, or if a prior Ink Unlimited/Cash card already burned the $0-AF bonus.