RateHerald

Our illustration in the card’s colours, not its design

Chase credit card

Ink Business Cash Credit Card

  • APR up · 16.74%16.99% · Oct 10, 2026

No annual fee. $750 cash back after you spend $6,000 in 3 months. Purchase APR 16.99–24.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

$750 cash

After you spend $6,000 on purchases in your first 3 months.

Spending it takes
$2,000 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

The account must be open and not in default at the time of fulfillment. Bonus posting may take 6 to 8 weeks. The offer may not be available to applicants who have ever had this card or any other Chase for Business card without an annual fee.

  • Larger than about 90% of the 48 other cash bonuses we track.

Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

“The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$145$145
Typical spender$1,110$360
Heavy spender$1,520$770
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 5x Office supply stores; welcome bonus needs $6,000 in 3 months.

$145a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 5x Office supply stores; welcome bonus needs $6,000 in 3 months.

$360a year

$1,110 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x Office supply stores.

$770a year

$1,520 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x Office supply stores.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 75% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 80% of the 163 cards on our Sign-up bonuses list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Cash Back rewards

How you earn

5%
Office supply storesInternet, cable, and phone servicesQualifying Lyft products and services purchased through the Lyft mobile application, including rideshare; bike and scooter rides; and subscription and membership products, through 09/30/2027
2%
Gas stationsRestaurants
1%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Instacart credit: $20 monthly
  • Rental car: up to $60,000
  • Emergency assistance
  • Roadside
  • Purchase protection: up to $10,000 per item
All 6 benefits
  • Extended warranty: up to four years from the date of purchase

Changes

16.74%16.99% since Oct 10Oct 10Today
  • Oct 10, 2026 APR 16.74%16.99%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRthe first 12 months that your Account is open
Balance transfer APR
Balance transfer fee
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had a bonus on this card or one of its family, you can’t get it.

Questions

What is the annual fee?
None · chase.com, since Oct 11, 2026
Does it charge a foreign transaction fee?
Yes: 3% of the amount of each transaction in U.S. dollars.. · chase.com, since Sep 29, 2026
What is the purchase APR?
16.99–24.99% APR · chase.com, since Oct 10, 2026
Is there an intro APR?
0% for the first 12 months that your Account is open. · chase.com, since Sep 29, 2026
Is there a welcome bonus?
$750 cash back after $6,000 in purchases in 3 months. · chase.com, since Sep 29, 2026
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