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Current welcome offer
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Annual Fee
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how to earn rewards
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1%
Earn 1% cash back on all other purchases, with no limit on how much you can earn.
Benefits
Free cards for employees
10% business relationship bonus- if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
3 months of complimentary Instacart+ and a $20 Instacart credit each month (through Dec 31, 2027)
My Take
If you can meet the spend requirements, we can easily say this card makes sense for you. This matches the highest ever offer on this card!
Chase Ink cards are our favorite option when we have larger expenses coming that help us to meet the higher minimum spend. We love the Instacart+ benefit and the $20 per month for Instacart — an amazing perk for a no-annual fee card.
The bonus for this card is listed as cash back. But if you have a card like the Chase Sapphire Preferred® Card or Chase Ink Business Preferred® Credit Card, you can actually combine the "cash back" points with your Sapphire card. See our full guide with details on combining points here.
Want to learn more about Chase Ultimate Rewards®? Check out season 1 of Points for Normal People (our podcast) — we go into detail there. And see more ideas for how to use your points here.
Nota bene: If you have multiple business cards from Chase already, it might be harder to be approved. See data points here.
offer History
For many years, the bonus on this card offered $500 after you spent $3000 in 3 months.
The offer changed to $750 after spending $7500 in 3 months during the pandemic.
In fall 2022, the offer went to $900 after spending $6,000 in 3 months.
In fall 2023, we saw the $900 offer return from September to mid-January 2024.
Learn More About Ink Business Cash® Credit Card
My complete guide to this card and its benefits.
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