CH
Chase

Ink Business Cash® Credit Card

750 Points Bonus 0% Intro APR · 12 mo No Foreign Fees
$0 Annual Fee
18.49%–24.49% Variable Purchase APR
750 Welcome Bonus
700+ Recommended FICO
Points Reward Type
Browse Cards › Chase › Ink Business Cash® Credit Card

Welcome Bonus

750 Points
Welcome Bonus
Spend $6,000 in the first 180 days
Bonus Posted Please allow 6 to 8 weeks after your qualifying purchases post to your account for the bonus to post to your account.

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 5x
Point Value~0.01¢ each
Annual Cap$25,000
ExpirationPoints never expire as long as account is open
CategoryRateTypeCap
Office Supply Stores & Internet, Cable & Phone Services
On the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
5x Cash Back $25,000/yr
Gas Stations & Restaurants
On the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2x Cash Back $25,000/yr
All Other Purchases 1x Cash Back No cap

Benefits & Protections

No Foreign Fees
Travel Insurance
Primary Rental Coverage
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
BenefitCategoryValue / Coverage
Free Employee Cards
Get employee cards at no additional cost to help manage business spending.
Financial Complimentary
Auto Rental Collision Damage Waiver
Provides primary coverage for business rentals and secondary coverage for personal rentals, reimbursing up to the actual cash value of the vehicle for theft and collision damage when the rental company's collision insurance is declined.
Insurance Up to actual cash value of vehicle
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less, up to $10,000 per claim and $50,000 per account.
Insurance 1 additional year / Up to $10,000 per claim / $50,000 per account
Up to $10,000
Purchase Protection
Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Insurance Up to $10,000 per claim / $50,000 per account
Up to $10,000
Emergency Card Replacement
Expedited replacement of your card if it is lost or stolen.
Other Complimentary
Emergency Cash Disbursement
Provides emergency cash if your card is lost or stolen, subject to available credit.
Other Complimentary
Lost/Stolen Card Reporting
Service to report a lost or stolen card and prevent unauthorized use.
Other Complimentary
Paperless Statements
Access your monthly statements online for convenience and environmental benefits.
Other Complimentary
Year-End Summaries
Receive an itemized report of your spending to help with budgeting and tax preparation.
Other Complimentary
1% Cash Back on All Other Purchases
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Rewards 1% cash back
2% Cash Back on Gas Stations & Restaurants
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Rewards 2% cash back
5% Cash Back on Select Business Categories
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
Rewards 5% cash back
Flexible Cash Back Redemption
Cash back rewards can be redeemed for cash, gift cards, travel, and more through Chase Ultimate Rewards®.
Rewards Flexible redemption
Non-Expiring Cash Back Rewards
Cash back rewards do not expire as long as your account is open.
Rewards Non-expiring
Account Alerts
Set up alerts to notify you of purchases, payments, and withdrawals, enhancing security and account management.
Security Complimentary
Fraud Monitoring
Chase actively monitors your account for suspicious activity to help prevent fraud.
Security Complimentary
Zero Liability Protection
You won't be held responsible for unauthorized charges made with your card or account information.
Security Complimentary
Roadside Dispatch®
Provides access to a pay-per-use roadside assistance program for services like towing, jumpstarts, tire changes, lockout service, or fuel delivery for a flat fee.
Travel Flat fee service
Travel and Emergency Assistance Services
Provides referrals for medical and legal services, as well as other travel and emergency assistance when away from home (cardholder is responsible for the cost of services).
Travel Referral service

Interest Rates

0%
Intro Purchase APR for 12 months
0%
Intro BT APR for 12 months
Purchase APR18.49%–24.49% Variable
Balance Transfer APR24.49%
Cash Advance APR29.99%
Min. Interest Charge$1

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction Fee3%
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

700 Recommended minimum FICO · Range 700–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileVery Good
Approval OddsGood
Decision Time1-3 days
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleYes
Credit Limit Range $5,000 – No limit listed

Issuer Rules & Restrictions

Shutdown Risk Triggers
Manufactured spending, excessive cash advances, rapid credit line increases, too many applications in a short period, high credit utilization across all cards, bust-out behavior
Cliff Effect Rules
The primary 'cliff' is the Chase 5/24 rule, which prevents approval if an applicant has opened 5 or more personal credit cards in the last 24 months. There are no specific family-wide bonus restrictions for Ink cards similar to the Sapphire 48-month rule, but individual product bonus eligibility typically requires not having received the bonus for that specific card in the past 24 months.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Chase enforces a strict 5/24 rule, meaning applicants with 5 or more new personal credit card accounts opened across all issuers in the past 24 months will typically be denied. Additionally, applicants are generally ineligible for the Ink Business Cash welcome bonus if they currently have the card or received a bonus for it within the last 24 months.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Chase
$0
Annual Fee
Apply Now
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Welcome Bonus 750 Points
APR 18.49%–24.49% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Welcome Bonus750 Points
Intro APR0% · 12 mo
Foreign FeesNone
Min. FICO700+
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