# Ink Business Cash® Credit Card

> Earn up to 5x on office supplies and 5x on internet cable. $240+ in statement credits per year. No annual fee.

Canonical page: https://cardstack.money/cards/ink-business-cash-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $0
- Rewards program: Ultimate Rewards (https://cardstack.money/programs/chase-ultimate-rewards.md)
- Total statement credits value: $240 per year
- Net value after annual fee: +$240 per year (credits value minus fee)
- Welcome offer: $750 bonus cash back after you spend $6,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Office Supplies | Up to $25,000 |
| 5x | Internet Cable | Up to $25,000 |
| 5x | Phone / Wireless | Up to $25,000 |
| 2x | Gas & EV Charging | Up to $25,000 |
| 2x | Dining | Up to $25,000 |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Instacart Business Credit - $240/yr ($20 monthly)

$20 Instacart credit each month automatically loaded into your Instacart Business Account during the complimentary 3-month Instacart+ enrollment (auto-renews at $99/year after the complimentary period). Enrollment required. Benefits end 12/31/27.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: $20 monthly Instacart credit when enrolled in the complimentary Instacart+ trial
- Details: https://cardstack.money/benefits/ink-business-cash-credit-card-instacart-business-credit.md

## Other benefits

- **Purchase Protection**: Eligible new purchases covered for 120 days from purchase date against damage or theft, up to $10,000 per item; New York residents: 90-day coverage period.
- **Extended Warranty Protection**: Adds one extra year to manufacturer's U.S. warranties of 3 years or less, up to 4 years from purchase date.
- **Auto Rental Collision Damage Waiver**: PRIMARY when renting for business purposes; reimburses up to $60,000 for theft and collision damage on most rental vehicles with MSRP ≤ $125,000. Decline the rental company's collision insurance and charge the entire rental to the card.
- **Travel and Emergency Assistance**: Legal and medical referrals plus access to travel and emergency assistance services when away from home; cardholder pays for any goods or services obtained.
- **Roadside Assistance**: Call the service provider to dispatch help during a roadside emergency; service fees billed to the card at time of dispatch.
- **Zero Liability Protection**: Not held responsible for unauthorized charges made with the card or account information.
- **24/7 Fraud Monitoring**: Chase monitors for fraud 24/7 and may contact you via text, email, or phone if unusual purchases are detected.
- **Earn rule**: The 5% categories (office supply stores + internet, cable, and phone services) share a SINGLE $25,000 combined cap per account anniversary year, not separate caps. After the cap, those purchases earn 1%.
- **Earn rule**: The 2% categories (gas stations + restaurants) share a SINGLE $25,000 combined cap per account anniversary year. After the cap, those purchases earn 1%.
- **Lyft Bonus Earn rule**: 5% cash back total on Lyft rides through 09/30/2027.
- **Instacart+ Membership**: Complimentary 3-month Instacart+ membership (auto-renews at $99/year after the complimentary period). Enrollment required. Benefits end 12/31/27.
- **Employee cards**: Available at no additional cost; employee purchases earn cash back to the business with digital tools for spend monitoring, alerts, and limits.
- **Credit Line Increase**: Automatically reviewed for a credit line increase at least every 6 months.
- **Welcome offer caveat**: 0% intro APR for 12 months from account opening on purchases; 16.74%–24.74% variable APR after intro period.


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CardStack automatically tracks the Ink Business Cash's $240 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863