Chase Ink Business Cash
The welcome offer, what it earns, how it becomes a travel card beside an Ink Business Preferred or Sapphire, and the protections.
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Business travel cards · Chase
Welcome offer
75,000 points
Annual fee
$0
75,000 points after $6,000 in purchases in the first 3 months; Chase advertises it as $750 cash back. The bonus may not be available to anyone who has had this card or any other Chase for Business card without an annual fee.
Employee cards: No feeForeign transaction fees: 3%Intro APR: 0% on purchases for 12 monthsRewards: Chase Ultimate Rewards
The Atelier Take
A no-fee card that pays 5x where many small businesses spend every month, and is worth considerably more beside a card that transfers points.
Who it suits
Businesses with regular internet, phone and office supply store spending, and owners who already hold an Ink Business Preferred or a Sapphire card to transfer the points.
Who should skip it
Businesses that spend abroad, as it charges a 3% foreign transaction fee, and anyone whose spending sits mostly outside the bonus categories: the Ink Business Unlimited earns 1.5x on everything.
What it earns
Rewards: Chase Ultimate Rewards points (100 points = $1), worth 1¢ each on their own. Moved to an Ink Business Preferred, Sapphire Preferred or Sapphire Reserve held by the owner, they become transferable to airline and hotel partners.
5x
Office supply stores, and internet, cable and phone services
On the first $25,000 combined each account anniversary year; 1x after
2x
Gas stations and restaurants, including takeout and eligible delivery
On the first $25,000 combined each account anniversary year; 1x after
5x
Lyft rides
Through September 30, 2027
1x
Everything else
On their own the points are worth 1¢ each, so 5x is 5¢ per dollar. Moved to an Ink Business Preferred, Sapphire Preferred or Sapphire Reserve, the same points can be transferred, and at TPG’s 2.05¢ valuation 5x is then worth about 10.3¢ per dollar. The 5x cap is $25,000 a year, so the most it can earn there is 125,000 points.
Other benefits
Instacart+
Three months of Instacart+ when activated by December 31, 2027, with a $20 Instacart credit each month while the membership is active. It then renews at $99 a year unless canceled.
Employee cards
No fee, with individual spending limits.
Points don’t expire
As long as the account is open.
What it is worth
No annual fee, so nothing to earn back. Spending $25,000 a year on internet, phone and office supply stores earns 125,000 points, $1,250 as cash.
Its real value is beside an Ink Business Preferred or a Sapphire card: every point can then be transferred, and at TPG’s 2.05¢ valuation that 5x becomes about 10.3¢ per dollar. The welcome offer alone is then worth about $1,538.
Insurance and protections
Chase lists these on the card’s page; the Guide to Benefits has the full terms. Pay for the rental or purchase with the card to be covered.
Auto rental collision damage
Up to $60,000 for theft and collision damage on most rentals with an MSRP of $125,000 or less, when the rental company’s cover is declined. Primary when renting for business.
Purchase protection
Damage or theft within 120 days of purchase, up to $10,000 per item and $50,000 a calendar year.
Extended warranty
Adds one year to U.S. manufacturer warranties of three years or less.
Roadside assistance
A dispatch service; the call-out fee is billed to the card.
Travel and emergency assistance
Referrals and help while traveling; services themselves are paid for.
Pros and cons
Pros
- 5x on internet, phone and office supply stores, with no annual fee
- Points become transferable beside an Ink Business Preferred or Sapphire
- 0% intro APR on purchases for 12 months
- Primary rental cover on business rentals
Cons
- Bonus categories capped at $25,000 each a year
- 3% foreign transaction fee
- Alone, points are worth only 1¢ each
- 1x on travel, advertising and shipping
Card terms change often and some offers are personalized; the issuer’s page is the final word.