Ink Business Cash® Credit Card
Basic Information
Program ID: ink-business-cash
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:29
Last Scraped: 01/15/2026 16:31
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $6,000.00
Time Period: 90 days
Bonus 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.
Rewards Program
Reward Type: Chase Ultimate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on internet, cable, phone services, and at office supply stores; 2x at gas stations and restaurants.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active.
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).
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 8
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
Excellent rewards (5% cash back on key business categories), no annual fee, valuable signup bonus, flexible Ultimate Rewards points.
Top Negative Feedback:
Spending caps on bonus categories, foreign transaction fees, 2% categories are less competitive.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0