Chase · Visa · business · Chase Ultimate Rewards
Review the linked sources below for offer details and eligibility.
Earning
| Office supplies
Issuer wording: '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'. The $25,000 cap is SHARED between office supply stores and internet/cable/phone services; 1% after the cap.
up to $25,000/anniversary, then 1x
|
5x | 5% |
| Phone, internet, cable
Issuer wording: 'internet, cable and phone services'. Shares the single $25,000 per account-anniversary-year cap with office supply stores; 1% after the cap.
up to $25,000/anniversary, then 1x
|
5x | 5% |
| Lyft (Rideshare)
Promotional: 'Earn 5% total cash back on Lyft rides through September 30, 2027' (4% on top of the 1% base). Other rideshare (Uber etc.) earns the 1% base.
|
5x | 5% |
| Gas stations
Issuer wording: '2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year'. The $25,000 cap is SHARED between gas stations and restaurants; 1% after the cap.
up to $25,000/anniversary, then 1x
|
2x | 2% |
| Dining & restaurants
Issuer wording: 'restaurants'. Shares the single $25,000 per account-anniversary-year cap with gas stations; 1% after the cap.
up to $25,000/anniversary, then 1x
|
2x | 2% |
| Everything else
Issuer wording: '1% cash back on all other purchases - with no limit to the amount you can earn'. Cash back is tracked as Chase Ultimate Rewards points (100 points = $1).
|
1x | 1% |
Right column: value per $ at travel valuation (1¢/pt — transfer value 2.05¢ needs a card that unlocks transfers). 1¢ cash. Travel value assumes transfers (Hyatt, airlines) via a Sapphire/Ink Preferred; Freedom/Ink Cash points alone are worth 1¢ unless pooled. Points Boost on Chase Travel up to ~1.5-2¢ on select bookings.
Credits
- $20 Instacart monthly credit /month · medium to use · enrollment required$20 Instacart credit each calendar month while you hold an active Instacart+ membership activated with the card at instacart.com/p/chase-ink (activation window 5/1/2025-12/31/2027; credits through 12/31/2027). Credit lands in your Instacart account at the start of the month and does not roll over. Chase gives 3 months of complimentary Instacart+, after which it auto-renews at $99/yr unless cancelled.
Benefits
- No annual fee — Annual fee: None. Employee cards at no additional cost with individual spending limits.
- 0% intro APR on purchases for 12 months — 0% intro APR for 12 months from account opening on purchases, then 16.74%-24.74% variable (pricing & terms, Sept 2026).
- Complimentary 3-month Instacart+ membership — 3 months of Instacart+ when activated with the card between 5/1/2025 and 12/31/2027; auto-renews at $99/yr afterward unless cancelled. Unlocks the $20 monthly Instacart credit.
- Combine points with Sapphire / Ink Preferred for transfer partners — Cash back is earned as Ultimate Rewards points. On its own the card cannot transfer to airline/hotel partners, but points can be moved to a Chase Sapphire Preferred, Sapphire Reserve or Ink Business Preferred account to transfer 1:1 (Hyatt 4:3 via Sapphire Preferred / Ink Preferred from Oct 1, 2026) or use Points Boost.
- Auto rental collision damage waiver (primary for business rentals) — Up to $60,000 for theft/collision on rentals up to 31 days (vehicles with MSRP of $125,000 or less). Primary in the US when renting for business purposes; SECONDARY for personal rentals in the US (primary only if you have no auto insurance); primary outside the US. Decline the rental company's CDW/LDW.
- Purchase protection — 120 days (90 for NY) against damage or theft; up to $10,000 per item, $50,000 per account.
- Extended warranty — +1 year on eligible U.S. manufacturer warranties of 3 years or less; up to $10,000 per item, $50,000 per calendar year.
- Baggage delay insurance — $100/day for up to 3 days after a 6-hour checked-bag delay.
- Lost luggage reimbursement — Up to $3,000 per covered traveler per trip.
- Travel accident insurance — Up to $500,000 common carrier / $100,000 24-hour accidental death & dismemberment when the fare is charged to the card.
- Roadside dispatch (pay-per-use) — 24/7 dispatch in the US and Canada; service fees are billed to the card at time of dispatch.
- Travel and emergency assistance services — Legal/medical referrals and coordination (you pay for services rendered).
- Chase Pay Over Time and business tools — Split eligible purchases of $100+ into 3-24 month plans for a fixed monthly fee (0% during the intro period, up to 1.72%/mo after); free employee cards with spending limits; account alerts; bookkeeping-software integration; referral bonus up to 200,000 points/yr (40,000 per approved Chase for Business referral).
Protections
| purchase protection | 120 days (90 for NY), up to $10,000 per item / $50,000 per account; secondary to other insurance |
| extended warranty | +1 year on U.S. manufacturer warranties of 3 years or less (max 4 years total); up to $10,000 per item / $50,000 per calendar year |
| baggage delay | Up to $100/day for up to 3 days after a 6-hour checked-bag delay |
| lost luggage | Up to $3,000 per covered traveler per trip (NY: $2,000/bag, $10,000/trip); $500 sub-limits for jewelry/watches and cameras/electronics |
| rental car | primary |
| roadside | Roadside dispatch, pay-per-use (24/7 US & Canada; fees billed to card at dispatch) |
| travel accident | Up to $500,000 common carrier / $100,000 24-hour accidental death & dismemberment |
Notes
Small-business cash-back card earning Chase Ultimate Rewards points (100 pts = $1; no expiration while open; no redemption minimum). Rental-car CDW is primary ONLY for business-purpose rentals in the US (secondary for personal US rentals; primary abroad) - filed as 'primary' per Chase's own wording. Both 5% and 2% tiers have their own $25,000 combined cap per account anniversary year (office supply + internet/cable/phone share one; gas + restaurants share the other), then 1%. Lyft 5% total runs through 2027-09-30. 3% foreign transaction fee - do not use abroad. 2026 changes: (1) effective 2026-03-27 Chase no longer lets Ink/Sapphire/Freedom cash back be deposited to a non-Chase bank account - redeem as statement credit, deposit to a Chase account, travel or gift cards (Doctor of Credit 2026-02-18, NerdWallet); (2) elevated $1,000 (100k pt) bonus after $8k/4 mo launched ~2026-06-11 (standard offer is $750); (3) Instacart+ 3 months + $20/mo credit added 2025-05-01, valid through 2027-12-31. Points can be combined into a Sapphire Preferred/Reserve or Ink Preferred account to unlock transfer partners and Points Boost (note Hyatt drops to 4:3 for Sapphire Preferred/Ink Preferred on 2026-10-01). Chase 5/24: Ink business cards do not add to your 5/24 count, but you must be under 5/24 to be approved (TPG). Pricing & terms (Sept 2026): 0% intro APR 12 months on purchases then 16.74%-24.74% variable; balance transfer $5 or 5%; cash advance $15 or 5%; late fee $40. Guide to Benefits BGC11375_v2 (effective 10/01/24) covers Ink Business Cash/Unlimited.
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11