Chase Ink Cash Review 2026

The Ink Business Cash charges $0 in annual fees and $0 in origination fees. The introductory APR is 0% on purchases for the first 12 months. After that, the variable APR ranges from 16.74% to 24.74%, depending on your creditworthiness.

Cash advance fees are 5% of the amount (minimum $15). Balance transfer fees are 5% (minimum $5). The foreign transaction fee is 3%, which is a real cost for businesses that purchase internationally or travel abroad. There is no prepayment penalty.

If you carried a $50,000 balance for 12 months at the median standard variable APR of 20.74%, you would pay roughly $10,370 in interest. But with the 0% intro APR, you pay nothing on purchases for the first year. The current sign-up bonus is $750 cash back after spending $6,000 within the first three months of account opening.

Chase requires a minimum personal credit score of approximately 670 (good credit). There is no minimum time-in-business requirement, and no minimum revenue threshold, which makes this card accessible to new businesses and freelancers.

The card is not SBA-backed, requires no collateral, and is available in all 50 states. However, the unofficial 5/24 rule is a hard barrier: if you have five or more new credit card accounts (across all issuers) showing on your personal credit report in the past 24 months, Chase will auto-decline your application. Business cards from Chase, Amex, and most other issuers do not count toward your 5/24 total since they typically don't appear on personal credit reports.

As of November 2026, Chase introduced additional Ink card rules: you may not qualify for the new-card bonus if you have ever held this card or any other Chase no-annual-fee business card.

You apply online through Chase's business credit card portal. The application asks for your business name, type (sole proprietorship counts), EIN or SSN, estimated revenue, and years in business. Chase runs a hard inquiry on your personal credit.

Decisioning is not always instant. Many applicants report being routed to a manual review queue, especially if they are close to the 5/24 threshold or have a thin business credit profile. Reddit users consistently note that reconsideration calls to Chase can be difficult, with representatives asking pointed questions about business revenue, structure, and existing Chase relationships.

Once approved, expect 7-10 business days for the physical card to arrive. There is no same-day or next-day digital card provisioning for immediate use, which is slower than some fintech competitors.

JPMorgan Chase carries an A+ BBB rating, but the sheer volume of complaints reflects its massive customer base: 4,504 complaints are logged on the BBB profile. The BBB notes that due to the high volume, it only publishes details for a fraction of complaints filed.

On the CFPB side, JPMorgan Chase is consistently one of the top three most-complained-about credit card issuers, alongside Capital One and Citibank. A LendingTree analysis of CFPB data found that JPMorgan Chase ranked third in total credit card complaints between 2019 and 2022. Chase has also faced notable CFPB enforcement actions, including a $309 million refund order for unfair billing on credit card add-on products and a separate action for selling bad credit card debt.

Specific to the Ink Business Cash, we found reports in early 2026 of a reporting glitch where Chase business cards were mistakenly reported to personal credit bureaus, temporarily tanking cardholders' personal credit scores by 100+ points. Multiple users on myFICO forums reported the error was corrected within 5-10 days, but Chase initially told some callers it could take up to 30 days to fix.

We could not verify a specific CFPB complaint count isolated to the Ink Business Cash product alone, as CFPB data is organized by company rather than individual card product.

If your business spending is spread evenly across many categories rather than concentrated in office supplies and telecom, the American Express Blue Business Cash ($0/year) earns a flat 2% on the first $50,000 in purchases annually. That simpler structure often returns more for businesses without heavy category spending.

High-volume spenders who blow past the $25,000 bonus caps should look at the Capital One Spark Cash Plus ($150/year), which offers unlimited 2% back on every purchase with no caps. The annual fee pays for itself at $7,500 in annual spend.

The U.S. Bank Business Triple Cash Rewards ($0/year) covers similar categories (office supplies, telecom, gas, restaurants) at 3% back, but without the $25,000 annual cap. You earn less per dollar, but there is no ceiling.

If you have been denied due to the 5/24 rule, consider applying for an Amex business card first, since those approvals do not count toward your 5/24 total and can provide an alternative source of rewards while you wait for cards to age off your report.