How do I activate the Chase Ink Business Cash card travel benefits?

Most Chase Ink Business Cash travel benefits activate automatically when you pay with the card. For Auto Rental Coverage, charge the full rental to the card and decline the rental agency's collision damage waiver at the counter. For Baggage Delay and Lost Luggage insurance, charge all or part of your common carrier fare (flight, train, or cruise) to the card. For Purchase Protection and Extended Warranty, simply pay for the item with the card. Travel Accident Insurance activates when you charge the common carrier fare to the card. No pre-registration is required for any benefit.

Who is covered under the Chase Ink Business Cash card benefits?

Auto Rental Coverage applies to the cardholder and any additional drivers authorized on the rental agreement. Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection, Extended Warranty, and Travel Accident Insurance all cover the cardholder, their family members (spouse or domestic partner and dependent children), and person(s) employed by the company for which the card account is issued. Family Members do not need to be present for coverage to apply to their purchased items under Purchase Protection or Extended Warranty.

How does the Chase Ink Business Cash card rental car coverage work?

At the rental counter, decline the collision damage waiver (CDW/LDW). Pay the entire rental with your Chase Ink Business Cash card. For business use in the United States, coverage is primary: file directly with the benefit administrator with no personal auto insurer involvement. For personal use in the United States, coverage is secondary: your personal auto insurance pays first. Outside the United States, coverage is always primary. The vehicle cap is $60,000 and rentals must not exceed 31 consecutive days. File claims within 100 days at chasecardbenefits.com or call 1-800-349-4814.

How do I file a claim with the Chase Ink Business Cash card?

All claims go through chasecardbenefits.com or by calling 1-800-349-4814. For emergencies abroad, call 001-214-503-2951 collect. Auto Rental Coverage: notify within 100 days, submit all documents within 365 days. Baggage Delay: report to the airline before leaving the airport, then file within 20 days, submit documents within 90 days. Lost Luggage: notify the carrier, then file within 20 days, submit within 90 days. Purchase Protection: file within 90 days of the loss, submit within 120 days. Extended Warranty: file within 90 days of the product failure, submit documentation within 120 days. All claims are handled by Virginia Surety Company, Inc. (Assurant) effective October 1, 2024.

What does the Chase Ink Business Cash card NOT cover?

The Chase Ink Business Cash card does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or medical evacuation. Baggage Delay does not cover jewelry, cameras, electronics, recreational equipment, or business samples. Lost Luggage caps cameras, jewelry, watches, and electronic equipment at $500 per item. Auto Rental Coverage excludes personal liability, personal injury, and damage to third-party vehicles. Purchase Protection excludes mysterious disappearance and items in the care of a common carrier. There is no cell phone protection, return protection, or price protection benefit.

Does the Chase Ink Business Cash card cover emergency medical expenses abroad?

No. The Chase Ink Business Cash card does not include emergency medical insurance abroad. The Travel and Emergency Assistance line at 1-800-349-4814 is available 24 hours a day and can refer you to local medical providers, help with language barriers, and assist with emergency logistics. However, the assistance service reimburses nothing. All medical bills abroad are the cardholder's financial responsibility. For international business travel, carrying separate travel medical insurance with at least $100,000 in emergency coverage is worth considering.

Does the Chase Ink Business Cash card cover trip cancellation?

No. The Chase Ink Business Cash card does not include trip cancellation or trip interruption insurance. If you need to cancel a business trip, prepaid and non-refundable flights, hotels, and other bookings are not reimbursable through this card. The Chase Ink Business Preferred credit card does include trip cancellation insurance. If trip cancellation coverage is important for your business travel, consider carrying a separate travel insurance policy for trips with significant non-refundable costs.

How does extended warranty work on the Chase Ink Business Cash card?

Extended Warranty Protection adds one additional year to the original U.S. manufacturer repair warranty on eligible purchases. The original warranty, plus any purchased service contract, must not exceed three years combined to qualify. Maximum total coverage is four years from the purchase date. The benefit pays up to $10,000 per item and $50,000 per calendar year. Charge the item to the card, keep the original receipt and warranty documentation, and file at chasecardbenefits.com within 90 days of the product failure. Submit all documents within 120 days.

Is cell phone protection included with the Chase Ink Business Cash card?

No. Cell phone protection is not included with the Chase Ink Business Cash card. If your phone is stolen or accidentally damaged, repair and replacement costs are entirely your responsibility. Screen repair on a flagship smartphone typically runs $200 to $400. Device replacement runs $800 to $1,300. Cell phone protection is available on some higher-tier business cards that require you to pay your monthly wireless bill with the card. The Chase Ink Business Cash card does not include this benefit.

What benefits does the Chase Ink Business Cash card actually include?

Chase·$0/year·Visa Signature Business

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

1,6/5Travel Insurance gap.Independent review · verified June 2026

Travel Insurance

0,7

Car Rental

4,0

Protection

1,9

Our Verdict · Travel Insurance

Our opinion on Ink Business Cash Travel Insurance

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Your flight is delayed ten hours. The Chase Ink Business Cash card does not cover it. No trip delay, no trip cancellation, no emergency medical. On a $0 fee business card, that absence is expected. What is in the guide: baggage delay at $100 per day for up to three days after the first six-hour wait, lost or damaged luggage up to $3,000 per traveler per trip, and Travel Accident Insurance at $500,000 for common carrier accidents. Cameras, jewelry, and electronics in your bags are sub-capped at $500 per item. Coverage for baggage is secondary. Standalone travel medical starts at $100,000 per person for international trips. If you travel on business domestically and want your luggage covered, this card does the job. If you need trip cancellation or emergency medical abroad, this card does not provide it.

What works on travel

Lost luggage covered up to $3,000 per traveler per trip: checked and carry-on bags both eligible
Baggage delay covers essential purchases at $100 per day for up to 3 days after a 6-hour delay
Travel Accident Insurance pays $500,000 on common carriers: covers cardholder, family members, and employees

Where travel breaks down

No trip cancellation or interruption: non-refundable bookings are fully at risk
No emergency medical coverage abroad: all hospital costs are the cardholder's responsibility
No trip delay reimbursement: meals and lodging during a delay are out of pocket
Lost luggage sub-caps cameras, jewelry, and electronics at $500 per item

Travel Insurance · 11 guarantees

What does my Ink Business Cash card's travel insurance cover?

Quality, not just caps

Guarantee

Status

Limit · Cap

Trip cancellation

Not covered

No trip cancellation insurance on this card. A non-refundable business trip of $2,000 or more has no coverage if you must cancel for any reason.

Medical fees abroad

Not covered

No emergency medical insurance on this card. A single ER visit abroad runs $10,000 to $80,000 with no coverage available.

Medical repatriation

Not covered

No evacuation coverage. Air ambulance from a remote destination runs $100,000 to $300,000 with no reimbursement available.

Trip interruption

Not covered

Transport delay

Not covered

Missed connection

Not covered

Lost luggage / theft

Not covered

Baggage delay

6-hour threshold · $100/day, max 3 days

$300

Covered

$300

Baggage loss

$3,000 per traveler per trip · $500 sub-cap: cameras/jewelry/electronics

$3,000

Covered

$3,000

Cameras, jewelry, watches, and electronics are sub-capped at $500 per item regardless of the $3,000 overall limit.

Personal liability

$500K Common Carrier + $100K 24h · Covers cardholder, family, employees

$500,000

Covered

$500,000

Hotel theft protection

Not covered

View all guarantees and assistance (PDF)

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Cash wins, where it loses

An 8-dimension snapshot compared to the Autograph Journey ($95/yr) and the average premium travel card.

Compare

Ink Business CashThis card1.6/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Autograph Journey

Wells Fargo · $95/yr

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Cash stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Cash shoppers also consider.

Card	This card Ink Business Cash Chase · $0/yr 1.6/5?	Sapphire Reserve Chase · $795/yr 3.9/5?	Autograph Journey Wells Fargo · $95/yr 2.7/5?	Sapphire Reserve Business Chase · $795/yr 3.7/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$10,000 per person 13 covered reasons	$15,000 per traveler 7 covered reasons	$10,000 per person All prepaid travel
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$2,500 \| $50 deductible $50 deductible	N/A	$2,500 Reimbursement only
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	$100,000 \| pre-auth required Pre-authorization required	N/A	$100,000 Pre-authorization required
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	$500 after 6 hours Trigger: 6 hours	N/A	6h / $500 Trigger: 6 hours or overnight
Rental CDW Primary or secondary	Primary / $60,000 Primary (business use US + outside US)	Primary / $75,000 Primary coverage	Primary abroad / $50,000 Primary international + US business	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/smallbusiness

February 2026

Primary CDW saved me on a business rental

Rented a car for a client visit and declined the CDW at the counter. Charged the rental to my Ink Business Cash. Got a minor scratch on the bumper returning the car. Filed through chasecardbenefits.com. Since the rental was for business use, the coverage was primary: I did not involve my personal auto insurance at all. Approved within three weeks. The daily CDW savings alone cover what this card costs, which is nothing.

r/creditcards

March 2025

Extended warranty claim took longer after October 2024 admin change

Had a monitor fail 13 months in. Filed under extended warranty through the new chasecardbenefits.com portal. Chase changed their benefit administrator in October 2024, which created some confusion at first. The rep had to re-verify my card was eligible under the new guide. Eventually processed but took six weeks. Keep your original warranty documentation and receipt together before you need them. They asked for both plus a repair estimate from a certified facility.

r/creditcards

January 2026

Purchase protection denied: disappeared items are not covered

Lost a camera bag somewhere between the hotel and the airport on a business trip. Filed a purchase protection claim on the Ink Business Cash card. Denied. The reason: items that mysteriously disappear with no evidence of a wrongful act are explicitly excluded. The guide calls this category items that vanish without a police report or evidence of theft. If there is nothing to show theft or an accident occurred, the claim will not be approved.

Chase Card Benefits (US)

1-800-349-4814

Free · 24/7

Travel and Emergency Assistance (international)

001-214-503-2951

Collect call accepted · 24/7

Benefit administrator: Virginia Surety Company, Inc. (VSC), an Assurant company. All benefit claims: Auto Rental Coverage, Baggage Delay, Lost Luggage, Purchase Protection, Extended Warranty, Travel Accident Insurance. Effective 10/01/2024.

Claims & pre-authorizations

How to file a Chase Ink Business Cash card benefit claim

Step 1: Visit chasecardbenefits.com

All Chase Ink Business Cash benefit claims go through chasecardbenefits.com or call 1-800-349-4814. For travel assistance or emergencies abroad call 001-214-503-2951 (collect). Auto Rental Coverage: notify within 100 days. Baggage Delay and Lost Luggage: report to the carrier before leaving the airport, then file within 20 days. Purchase Protection and Extended Warranty: file within 90 days of the loss or product failure. Travel Accident Insurance: notify within 20 days.

Step 2: Gather your documentation

Auto Rental Coverage: accident report form, rental agreement (front and back), repair estimate and itemized bill, police report if filed, card statement, statement from personal insurance if applicable. Baggage Delay: travel itinerary, card statement, written confirmation of delay from carrier, itemized receipts for essential items purchased. Lost Luggage: travel itinerary, card statement, Common Carrier settlement or denial, original receipts. Purchase Protection: itemized sales receipt, card statement, police report or fire report for theft, repair estimate. Extended Warranty: itemized sales receipt, card statement, original warranty, repair estimate from certified facility.

Step 3: Submit proof of loss

Auto Rental Coverage: submit all documents within 365 days of the incident. Baggage Delay: submit within 90 days of the baggage being delayed. Lost Luggage: submit within 90 days. Purchase Protection: submit within 120 days of the loss. Extended Warranty: submit within 120 days of the failure. Travel Accident Insurance: submit within 90 days. File at chasecardbenefits.com or send by mail. Keep copies of all submissions.

Most Chase Ink Business Cash travel benefits activate automatically when you pay with the card. For Auto Rental Coverage, charge the full rental to the card and decline the rental agency's collision damage waiver at the counter. For Baggage Delay and Lost Luggage insurance, charge all or part of your common carrier fare (flight, train, or cruise) to the card. For Purchase Protection and Extended Warranty, simply pay for the item with the card. Travel Accident Insurance activates when you charge the common carrier fare to the card. No pre-registration is required for any benefit.
Auto Rental Coverage applies to the cardholder and any additional drivers authorized on the rental agreement. Baggage Delay Insurance, Lost Luggage Reimbursement, Purchase Protection, Extended Warranty, and Travel Accident Insurance all cover the cardholder, their family members (spouse or domestic partner and dependent children), and person(s) employed by the company for which the card account is issued. Family Members do not need to be present for coverage to apply to their purchased items under Purchase Protection or Extended Warranty.
At the rental counter, decline the collision damage waiver (CDW/LDW). Pay the entire rental with your Chase Ink Business Cash card. For business use in the United States, coverage is primary: file directly with the benefit administrator with no personal auto insurer involvement. For personal use in the United States, coverage is secondary: your personal auto insurance pays first. Outside the United States, coverage is always primary. The vehicle cap is $60,000 and rentals must not exceed 31 consecutive days. File claims within 100 days at chasecardbenefits.com or call 1-800-349-4814.
All claims go through chasecardbenefits.com or by calling 1-800-349-4814. For emergencies abroad, call 001-214-503-2951 collect. Auto Rental Coverage: notify within 100 days, submit all documents within 365 days. Baggage Delay: report to the airline before leaving the airport, then file within 20 days, submit documents within 90 days. Lost Luggage: notify the carrier, then file within 20 days, submit within 90 days. Purchase Protection: file within 90 days of the loss, submit within 120 days. Extended Warranty: file within 90 days of the product failure, submit documentation within 120 days. All claims are handled by Virginia Surety Company, Inc. (Assurant) effective October 1, 2024.
The Chase Ink Business Cash card does not include trip cancellation, trip interruption, trip delay, emergency medical coverage abroad, or medical evacuation. Baggage Delay does not cover jewelry, cameras, electronics, recreational equipment, or business samples. Lost Luggage caps cameras, jewelry, watches, and electronic equipment at $500 per item. Auto Rental Coverage excludes personal liability, personal injury, and damage to third-party vehicles. Purchase Protection excludes mysterious disappearance and items in the care of a common carrier. There is no cell phone protection, return protection, or price protection benefit.
No. The Chase Ink Business Cash card does not include emergency medical insurance abroad. The Travel and Emergency Assistance line at 1-800-349-4814 is available 24 hours a day and can refer you to local medical providers, help with language barriers, and assist with emergency logistics. However, the assistance service reimburses nothing. All medical bills abroad are the cardholder's financial responsibility. For international business travel, carrying separate travel medical insurance with at least $100,000 in emergency coverage is worth considering.
No. The Chase Ink Business Cash card does not include trip cancellation or trip interruption insurance. If you need to cancel a business trip, prepaid and non-refundable flights, hotels, and other bookings are not reimbursable through this card. The Chase Ink Business Preferred credit card does include trip cancellation insurance. If trip cancellation coverage is important for your business travel, consider carrying a separate travel insurance policy for trips with significant non-refundable costs.
Extended Warranty Protection adds one additional year to the original U.S. manufacturer repair warranty on eligible purchases. The original warranty, plus any purchased service contract, must not exceed three years combined to qualify. Maximum total coverage is four years from the purchase date. The benefit pays up to $10,000 per item and $50,000 per calendar year. Charge the item to the card, keep the original receipt and warranty documentation, and file at chasecardbenefits.com within 90 days of the product failure. Submit all documents within 120 days.
No. Cell phone protection is not included with the Chase Ink Business Cash card. If your phone is stolen or accidentally damaged, repair and replacement costs are entirely your responsibility. Screen repair on a flagship smartphone typically runs $200 to $400. Device replacement runs $800 to $1,300. Cell phone protection is available on some higher-tier business cards that require you to pay your monthly wireless bill with the card. The Chase Ink Business Cash card does not include this benefit.