Chase Ink Business Cash
No-annual-fee business card with 5% cash back on office supplies and internet/cable/phone services (up to $25k annually), 2% on gas stations and restaurants (up to $25k annually), plus monthly Instacart credits. Enhanced Lyft earning (5% through 9/30/2027). Earns Chase Ultimate Rewards points that can be transferred to travel partners when paired with premium Chase cards. Best for small business owners with expenses in bonus categories.
Trackable Benefits (1)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Instacart Monthly Credit
$20/month Instacart credit - expires 12/31/2027.
Receive $20 Instacart credit each month with active Instacart+ membership. Credit issued at beginning of each month, expires at end of month. Must enroll card at instacart.com/p/chase-ink. Includes 3 complimentary months of Instacart+ membership upon activation. Available through December 31, 2027. Minimum $10 purchase required per order.
- • Enroll at instacart.com/p/chase-ink with your Ink Business Cash card.
- • Credit loads automatically at beginning of each month, expires at month end.
- • Must pay with enrolled card at checkout (not digital wallets).
- • Minimum $10 order required to use credit.
- • TIME-LIMITED: Expires 12/31/2027 - unclear if will be renewed.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- 📦5% cash back on office supplies (up to $25k/year)
- 📡5% cash back on internet/cable/phone services (up to $25k/year)
- ⛽2% cash back on gas stations (up to $25k/year)
- 🍽️2% cash back on restaurants (up to $25k/year)
- 💳1% cash back on all other purchases (unlimited)
- 🚗5% cash back on Lyft rides through 9/30/2027
- 💎Transfer points to travel partners with Sapphire or Ink Preferred
- 🚙Primary rental car insurance (business rentals)
- 🔒Purchase protection (120 days, up to $10k/item)
- ⏰Extended warranty (+1 year on warranties ≤3 years)
- 👥Free employee cards with spending limits
- 🌍No foreign transaction fees
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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