Chase Ink Business Cash
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Office Supply | 5x | 6.25% |
| Internet / Cable / Phone | 5x | 6.25% |
| Gas | 2x | 2.5% |
| Dining | 2x | 2.5% |
| Everything else | 1x | 1.25% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (2)
$20 Monthly Instacart Credit
Receive a $20 Instacart credit each month you have an active Instacart+ membership, when you pay with your eligible Ink card. Credit applies to one retailer per order on Instacart.com and excludes taxes, service and delivery fees, tips and special handling fees. Unused credit does not roll over to the next month. Enrollment required at instacart.com/p/chase-ink. Benefit valid through 2027-12-31.
Instacart+ Membership (3 Months)
Complimentary 3-month Instacart+ membership: $0 delivery fees on grocery and retail orders of $10+, and Costco and eligible restaurant orders of $25+. Auto-renews at $99/year after the complimentary period unless cancelled. Enrollment required at instacart.com/p/chase-ink. Valued at approximately $25.
Protections (4)
Cell Phone Protection
Up to $600 per claim (up to $1,200 per year) for cell phone damage or theft when you pay monthly bill with card
Extended Warranty Protection
Extends manufacturer warranty by up to 1 additional year on eligible warranties of 3 years or less
Travel Benefits
Trip cancellation/interruption insurance, baggage delay insurance, and auto rental collision damage waiver
Purchase Protection
Covers new purchases for 120 days against damage or theft up to $10,000 per claim
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 6 Chase Ink Business Cash benefits automatically — redemption progress, reset dates and expiry alerts.