Chase Ink Cash Benefits, Credits & Annual Fee

• Earn $750 cash back after spending $6,000 in 3 months

  New Cardmember Bonus - $750 Cash Back: To qualify, you must make $6,000 in purchases during the first 3 months from account opening. After qualifying, please allow 6 to 8 weeks for bonus to post to your account. To be eligible for this bonus offer, your credit card account must be open and not in default at the time of fulfillment.

  Checked Oct 14, 2026Source

• Monthly Instacart Credit$20 / moTrackableEnrollment required

  Receive a $20 credit in your Instacart account each month you have an active Instacart+ membership after you activate complimentary Chase Instacart+ on instacart.com/p/chase-ink (5/1/2025 through 12/31/2027). Monthly credit does not roll over.

  Resets: MonthlyChecked Sep 14, 2026

Travel Benefits

• Chase Travel Booking

  Book flights, hotels and activities through Chase Travel using your card. You can search millions of flights, over 300,000 places to stay, and thousands of activities. Book through the Chase Travel portal to use this.

  Checked Oct 9, 2026

Rental Car

• Primary Auto Rental CDW Coverage

  Get reimbursement for theft or collision damage to a rental vehicle, up to $60,000. Use your card for a business rental to get primary coverage. Coverage applies to most rental vehicles with an MSRP of $125,000 or less.

  Checked Oct 7, 2026

Travel Insurance

• Roadside Assistance

  Get help dispatched for a roadside emergency, such as when your vehicle needs assistance. Call the roadside service provider to request help. Service fees are charged to your card.

  Checked Oct 9, 2026
• Baggage Delay Insurance / Accidental Death & Dismemberment Coverage

  Provides accidental death and dismemberment coverage up to $500,000 when travel is purchased with your card. Review your benefits guide for the full schedule of covered losses and eligibility details, as specific conditions apply.

  Checked May 22, 2026

Bonus Earnings

• 5x Earning on Office Supply Stores, Internet, Cell Phone, and Cable5x points

  Earn 5x Ultimate Rewards points on purchases at office supply stores and on cell phone, cable, and internet bills. The 5x rate applies to the first $25,000 in combined spending per account anniversary year, then drops to 1x.

  Checked Oct 9, 2026
• 5x Earning on Lyft Rides5x points

  Pay for Lyft rides with your card and earn 5x Ultimate Rewards points per dollar spent. Link your card in the Lyft app to ensure the bonus applies automatically. This elevated rate is available through September 30, 2027.

  Checked Oct 9, 2026
• 2x Earning on Gas Stations and Restaurants2x points

  Earn 2x Ultimate Rewards points on gas station and restaurant purchases. This applies to the first $25,000 in combined spending across both categories each account anniversary year, then drops to 1x. Requires pairing with a card that earns Ultimate Rewards to access points.

  Checked Oct 9, 2026
• 1x Points on All Other Purchases1x points

  Every purchase that doesn't qualify for a higher bonus rate earns 1% cash back. There's no cap on how much you can earn at this rate, so it applies to all your everyday spending that falls outside the top categories.

  Checked Oct 1, 2026

Purchase Protection

• Extended Warranty Protection

  Adds one extra year to eligible U.S. manufacturer's warranties of three years or less on items purchased with your card. No enrollment is needed at checkout, but keep your receipt and original warranty documents in case you need to file a claim later.

  Checked Oct 7, 2026
• Damage and Theft Purchase Protection

  Items you buy with your card are covered against damage or theft for 120 days from the purchase date. Coverage maxes out at $10,000 per claim and $50,000 per account. If something is stolen or damaged, file a claim with the benefits administrator and provide proof of purchase.

  Checked Oct 7, 2026

Concierge & Membership

• Travel and Emergency Assistance

  While traveling anywhere in the world, you can call a Benefit Administrator who can connect you with medical or legal referrals and other emergency assistance. Referrals are provided at no cost, though you are responsible for any fees tied to the actual services you receive.

  Checked Oct 9, 2026

Fees & Miscellaneous

• Gift Card Rewards Redemption

  Use your rewards points for gift cards. Browse more than 150 brands in Ultimate Rewards, including hotels, office supply stores and electronics retailers, and redeem points for a gift card you choose. Available brands and redemption amounts may vary.

  Checked Oct 7, 2026
• No Returned Check Fee

  There is no returned check fee on this card account. If a check payment is returned, Chase does not charge a returned check fee. You still need to make the required payment, and other applicable charges may apply.

  Checked Oct 7, 2026
• Apple Ultimate Rewards Store

  Use rewards points toward Apple products through Ultimate Rewards. Shop the Apple Ultimate Rewards Store and apply points to all or part of your purchase at checkout. If points cover only part of the cost, pay the remaining balance using an available payment option.

  Checked Oct 7, 2026
• Business Referral Bonus40,000 pts / yr

  Earn 40,000 bonus points when a business you refer is approved for any Chase for Business credit card. Share your business referral link so the business can apply. You can earn up to 200,000 referral points per year.

  Checked Oct 9, 2026
• Complimentary Instacart+ MembershipEnrollment required

  Get three months of Instacart+ membership at no cost when you enroll through your card. It gives you grocery delivery perks for your business. After the free period, it auto-renews at $99 per year unless you cancel.

  Checked Oct 9, 2026
• Employee Cards at No Additional Cost

  Issue cards to your employees at no additional cost and earn cash back on their eligible purchases. You can set individual spending limits for each card to help manage and monitor business expenses.

  Checked May 22, 2026
• Foreign Transaction Fee

  A 3% fee is charged on every transaction processed by a non-U.S. merchant, whether made in person abroad or online. Keep this cost in mind when traveling internationally or purchasing from foreign vendors.

  Checked May 22, 2026