Ink Business Cash® Credit Card

Chase Visa Standard Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ink-business-cash

Issuer: Chase

Card Name: Ink Business Cash® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:29

Last Scraped: Jan 15, 2026 16:31

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Chase Ultimate Rewards Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on internet, cable, phone services, and at office supply stores; 2x at gas stations and restaurants.

Quarterly Rotating: No

Cap Amount: $25,000.00

Expiration Policy: Points do not expire as long as account is active.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Points can be transferred to Chase Ultimate Rewards partners (e.g., United, Southwest, British Airways, Hyatt, Marriott) only when combined with a premium Chase card (e.g., Sapphire Preferred, Sapphire Reserve, Ink Business Preferred).

Redemption Penalties: None for standard redemptions. Points cannot be directly transferred to travel partners without combining with a premium Chase Ultimate Rewards card.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

75,000

Points/Miles

Requirement: Spend $6,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of the statement closing where the spend requirement was met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $0.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $15 or 5% of the amount of each advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
690 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: To be eligible for the Ink Business Cash card in 2026, applicants must meet several key criteria. The primary welcome bonus typically offers $750 bonus cash back after spending $7,500 on purchases in the first 3 months from account opening. Eligibility requirements include adherence to Chase's 5/24 Rule, meaning applicants must not have opened 5 or more personal or business credit cards from any issuer in the past 24 months. Applicants must also operate a legitimate business (sole proprietorships, LLCs, corporations, etc., are eligible). The welcome bonus is not available to current cardmembers of this card, or those who received a new cardmember bonus for this card in the past 24 months. Chase also enforces application velocity rules, generally limiting approvals to no more than 2 Chase cards (personal or business) in 30 days, and typically no more than 1 Chase business card in 30 days. A strong personal credit history is required for approval.

Max Cards Per Issuer: 8

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases for resale, payment of non-qualifying bills via third-party services), high cumulative credit limit across all Chase accounts relative to reported income, rapid application for multiple Chase cards or cards from other issuers, significant and unexplained changes in spending patterns inconsistent with stated business activity, abuse of return policies or credit card benefits, failure to pay balances on time or maintain good standing, suspicious or fraudulent activity, and opening multiple business cards without demonstrable business revenue or activity.

Cliff Effect Rules: Applicants are generally limited to receiving one Ink Business Cash welcome bonus every 24 months. Additionally, Chase typically limits approvals to one business card every 30 days across its Ink product line.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.5 / 5.0

Top Positive:
Excellent rewards (5% cash back on key business categories), no annual fee, valuable signup bonus, flexible Ultimate Rewards points.

Top Negative:
Spending caps on bonus categories, foreign transaction fees, 2% categories are less competitive.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Ink Business Preferred
  • Chase Ink Business Unlimited
  • American Express Blue Business Cash

Card Value Score: 88.0 / 100

Est. Annual Rewards: $700.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0