Chase · Business

Ink Business Cash® Credit Card

Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.

Ink Business Cash® Credit Card2%
Dining at 2%No annual feeWelcome bonus
Top 59% for Dining
Highest earn rate in Dining at 2% effective value

The Ink Business Cash® Credit Card from Chase earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening..

Top category
Dining
Effective value
2%
Annual fee
$0
Ink Business Cash® Credit Card card art

Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Madeen analysis

What does the Ink Business Cash Credit Card earn in each category?

Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ink Business Cash Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight office supplies at 5x among.

Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ink Business Cash Credit Card compares across dining, grocery, gas, travel, and other spend.

Category Earn rate Effective value
Dining
Restaurants, cafes, takeout
2% back 2% Top category
Grocery
Supermarkets and grocery stores
1% back 1%
Gas
Gas stations and fuel
2% back 2%
Travel
Flights, hotels, transit
1% back 1%
Other
General everyday spend
1% back 1%

Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

Reward rules

What are the Ink Business Cash Credit Card reward caps and conditions?

The Ink Business Cash Credit Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.

  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Capped at $25000 per year.
Madeen take

Who should get the Ink Business Cash Credit Card?

The Ink Business Cash Credit Card fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Ink Business Cash Credit Card fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Foreign transaction fees make it weaker for international spend.

Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.

Pros

  • Strongest Madeen category is dining at about 2% effective (2% back).
  • No annual fee in our catalog snapshot.
  • Welcome bonus may add value if you can meet spend requirements.

Cons

  • Charges $3 foreign transaction fees.
  • Business card — rewards and liability rules differ from consumer cards.
Welcome bonus

What is the Ink Business Cash Credit Card welcome bonus?

In Madeen's catalog snapshot, the Ink Business Cash Credit Card welcome offer is Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.

Offer
$750
Terms (catalog snapshot)
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
Minimum spend
$6,000
Window
3Months
Fees

Does the Ink Business Cash Credit Card have an annual fee?

The Ink Business Cash Credit Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.

Annual fee
$0
Foreign transaction fee
$3
Benefits

What benefits come with the Ink Business Cash Credit Card?

The Ink Business Cash Credit Card includes Auto Rental Collision Damage Waiver, Auto Rental Coverage, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.

Madeen estimated annual value~$37,885
18 of 19 benefits valued
  • Extended Warranty Protection

    $10,000/yr

    Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

    How we value this

    Statement credit face value from issuer terms — $10000.00 face value (annualized from issuer terms).

  • Purchase Protection

    $10,000/yr

    Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

    How we value this

    Statement credit face value from issuer terms — $10000 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Purchase Security and Extended Protection

    $10,000/yr

    Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $10000.00 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Lost Luggage Reimbursement

    $3,000/yr

    will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Travel Accident Insurance

    $3,000/yr

    provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Roadside Dispatch®

    $1,000/yr

    This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $1000 face value (annualized from issuer terms).

  • lnstacart+ membership

    $240/yr

    Spend more time focused on your business and less time shopping when you enroll in your complimentary three-month lnstacart+ membership (auto renews at $99/year after complimentary period). Plus, once activated, lnstacart+ members get a $20 Instacart credit each month automatically loaded into their lnstacart Business Account. Enrollment Required. Benefits end 12/31/27.

    How we value this

    Statement credit face value from issuer terms — $20/month × 12 = $240/yr. Card-specific overrides recommended where amounts differ.

  • Sofar Sounds

    $240/yr

    Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.

    Visa Signature®
    How we value this

    Editorial review of "Sofar Sounds" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Visa Signature Concierge

    $150/yr

    Get assistance with travel planning, entertainment tickets and more.

    Visa Signature®
    How we value this

    Premium concierge service — editorial expected value $150/yr (not lounge-access proxy).

  • OpenTable

    $120/yr

    Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.

    Visa Signature®
    How we value this

    Editorial review of "OpenTable" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Roadside Assistance

    $50/yr

    If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.

    How we value this

    Statement credit face value from issuer terms — $50/yr annual face value.

  • Auto Rental Coverage

    $25/yr

    Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

    How we value this

    Conservative expected value for insurance/protection benefits based on typical claim likelihood.

Common questions about the Ink Business Cash Credit Card

Where do cardholders spend most with the Ink Business Cash Credit Card?

Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on office supplies (5x), internet and cable (5x), telephone (5x) for the Ink Business Cash Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.

What credit score do you need for an ink business cash credit card?

Madeen's catalog lists a typical credit range of Good to Excellent for the Ink Business Cash Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.

Does the Ink Business Cash Credit Card have an annual fee?

The Ink Business Cash Credit Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.

What category earns the most with the Ink Business Cash Credit Card?

Dining is the strongest Madeen category for the Ink Business Cash Credit Card at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.

Does the Ink Business Cash Credit Card charge foreign transaction fees?

The Ink Business Cash Credit Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.

What is the Ink Business Cash Credit Card welcome bonus?

The Ink Business Cash Credit Card welcome offer in our snapshot: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.

Compare

How does the Ink Business Cash Credit Card compare to similar cards?

Compare the Ink Business Cash Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

CardTop categoryEffective valueAnnual fee
Ink Business Cash Credit Card
This card
Dining2%$0
Dining4.5%$95
Chase
Dining3%$0
Dining3%$0
Dining3%$0
Compare
Merchants

Store-specific guides

Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.

Guides
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See how this card ranks in your wallet

Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.

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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Data source Madeen catalog analysis

Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.

Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure

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