Ink Business Cash® Credit Card
5% cash back on office supplies and telecom — $0 annual fee
Earn a $750 welcome bonus, 5% cash back on the first $25,000 a year in combined office supplies, internet, cable and phone services, 2% on the first $25,000 a year in combined gas and restaurants, and 1% on everything else, including spend past either cap with zero annual fee. Perfect for small business owners seeking straightforward cash rewards without annual costs.
- Annual Fee
- $0
- Ultimate Rewards points · Welcome Bonus
- 75,000
- Top Rate
- 5%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
75,000
Ultimate Rewards points
Spend $6,000 in the first 3 months
Earn $750 bonus cash back after spending $6,000 on purchases in your first 3 months. Bonus is calculated as cash back reward points—$750 = 75,000 cash back reward points. Redeem your points as statement credit, direct deposit, travel, gift cards, or Chase Ultimate Rewards options.
Earning Rates
- 5%
Office Supplies
5% on first $25,000 combined office supplies, internet, cable, and phone services each account anniversary year, then 1%
Cap: $25,000/annual
- 5%
Telecom
Earn 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.
Cap: $25,000/annual
- 5%
Cable Tv
5% cash back on internet, cable and phone services, on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, then 1%
Cap: $25,000/annual
- 2%
Gas Stations
2% on first $25,000 combined at gas stations and restaurants each account anniversary year, then 1%
Cap: $25,000/annual
- 2%
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Cap: $25,000/annual
- 5%
LyftLimited time
Earn 5% cash back on Lyft rides through September 30, 2027
- 1%
All Other
1% on all other purchases — No annual cap
Earning Scenarios
5% on Every Office Supply and Telecom Dollar
Earn 5% cash back on office supply stores and internet, cable, and phone services—the core expenses of running a business. Cap of $25,000 combined annual spend in this category means up to $1,250 in annual cash back. Great for service businesses and consultants with regular operational expenses.
Spend $2,000/month on office supplies, internet, and phone ($24,000 annually): earn $1,200 in cash back. Spend $1,500/month: earn $900/year.
2% on Gas Stations and Restaurants
Earn 2% cash back on business fuel and dining purchases up to $25,000 combined per year. Covers client entertainment, team meals, and business vehicle fueling. Simple to track and no enrollment needed—automatically earn 2% on all eligible gas and restaurant transactions.
Spend $1,200/month on gas and client dining ($14,400 annually): earn $288 in cash back. Spend $2,000/month: earn $500/year.
1% Unlimited Cash Back on Everything Else
Earn 1% cash back on all other business purchases with no limits or caps. Covers vendor payments, utilities, subscriptions, and miscellaneous business expenses. Rewards never expire as long as your account remains open, so cash back accumulates continuously.
Spend $5,000/month on other business expenses ($60,000 annually): earn $600 in cash back with no spending limits.
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$240
in recurring credits (annual)
$20/mo Instacart+
3-month free Instacart+ plus $20 monthly credit through December 2027
—
Monthly
Insurance & Protections
4 protectionsTravel and Emergency Assistance Services
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Extended Warranty Protection
secondary
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Auto Rental Coverage
$60,000
primary
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Purchase Protection
$10,000
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Dining Out
2% cash back at restaurants
On up to $25,000 a year in dining, then the base rate
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Chase Ultimate Rewards
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the World of Hyatt transfer, widely considered the best hotel transfer value in the industry, at 4:3 since October 1, 2026 (1,000 points become 750 Hyatt points). With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. Southwest Rapid Rewards is a 1:1 partner, one of two transferable currencies (with Bilt) that reach Southwest. Chase's Southwest card terms do not say whether transferred points count toward the Companion Pass. Points Boost is card-specific: the Sapphire Preferred can reach up to 1.5 cents per point on select flights and hotels through Chase Travel, while the Sapphire Reserve can reach up to 2 cents per point. Pay Yourself Back values also depend on the card and current offer. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards useful for both beginners and optimization experts.
Program Ratings
Recent Changes & News
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Sweet Spots — Best Redemptions
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | Europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | Europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | Europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | Europe |
| Intra-Europe in Economy | 7,500 | Flying Blue | economy | Europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | Europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | United States |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | United States |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | United States |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | United States |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | United States |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | United States |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | Europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | Europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | Europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | Europe |
| US to Europe in Economy | 25,000 | Flying Blue | economy | Europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | Europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | Europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | United States |
Showing top 20 of 54 sweet spots
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesHow It Compares
The Chase Ink Business Cash delivers straightforward cash back rewards perfect for service-based businesses with regular office and utility expenses. Zero annual fee makes it ideal as a primary business card, while the simple three-tier earn structure requires no category activation or enrollment.
Pros and Cons
Pros
- +5% cash back on office supplies, internet, cable, and phone up to $25K/year
- +2% cash back on gas stations and restaurants up to $25K/year
- +$750 welcome bonus after $6,000 spend in the first 3 months
- +$0 annual fee with no ongoing cost to maintain
- +Points convert to Ultimate Rewards when paired with Sapphire or Ink Preferred
- +Free employee cards to maximize category spending
- +Complimentary 3-month Instacart+ membership plus a $20 monthly Instacart credit through 12/31/2027 (enrollment required)
Cons
- -$25,000 annual cap on 5% and 2% categories before falling to 1%
- -Only 1% cash back on non-bonus spending
- -Cannot transfer points directly - requires pairing with premium Chase card
- -Limited travel protections compared to premium business cards
- -Gas and restaurant bonus is only 2% compared to other cards offering 3-4%
- -3% foreign transaction fee
Who It's Best For
Best For
- Small businesses with high office supply spending (Staples, Office Depot)
- Companies paying for internet, cable, and phone services
- Businesses that want no annual fee with strong category rewards
- Entrepreneurs pairing with Ink Business Preferred for point transfers
- Startups looking for a $0 annual fee business card with solid rewards
Not Ideal For
- Businesses with minimal office supply or telecom expenses
- Companies spending more than $25K annually in bonus categories
- Those seeking travel-specific perks or lounge access
- Businesses wanting direct airline/hotel point transfers without a paired card
The Math: Is $0 Worth It?
First-year value includes $1,350.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$144
Annual Fee
-$0
Net Annual Value
+$144
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 16.99%–24.99% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
Card Family
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Preferred | mid | $95 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
FAQs
Is it better to use Chase points for travel or cash back?
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
What is the most efficient way to redeem Chase points?
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
Which Chase card is best for rewards?
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
Can you book Airbnb through Chase Travel?
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
Who has more lounges, Chase or Amex?
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Media & Resources
Video Reviews
8 videosThe Chase Ink Cash: My HONEST 1-Year Review
Chase Ink Business Cash Card Review: The Best Business Credit Card
Chase Ink Business Cash Credit Card Review
Why the Chase Ink Cash Is STILL the Best Business Card (Full Review & Defense!)
Ink Business Cash vs Capital One Spark Cash Plus Comparison 2026
Chase Ink Business Cash Credit Card Review 2025 | Worth It or Leave It?
Chase Ink Business Cash Credit Card Review 2025 | Is It Worth It?
Third-Party Articles & Reviews
Ink Business Preferred® vs. Ink Business Cash® Comparison
Detailed comparison of the Ink Business Preferred and Ink Business Cash cards showing why small business owners should consider having both. Analyzes earning categories, annual fees, travel protections, and optimal spending strategies for each card.
Chase Ink Business Cash Credit Card Review
Comprehensive review of the Chase Ink Business Cash covering the card's no annual fee structure, 5X earning on office supplies and internet, 2X on gas and restaurants, and unlimited 1X on all other purchases. Analysis of the strong welcome offer and value for small business owners.
Chase Ink Cash Business Card: 2026 Review
NerdWallet's 2026 review of the Ink Business Cash evaluating the card's cash back structure, competitive welcome bonus, no annual fee advantage, and suitability for different business spending patterns. Includes analysis of earning rates on common business expenses.
Chase Ink Business Cash Reviews [2026] | WalletHub
WalletHub's aggregated user reviews and expert analysis of the Ink Business Cash with 300+ user ratings. Includes community feedback on the card's actual value, ease of use, customer service experience, and real-world benefit delivery for small business owners.
Ink Business Cash Credit Card Review (2026 Update)
AskSebby's 2026 update on the Ink Business Cash highlighting the card's strong value proposition with 5X and 2X categories, no annual fee, and competitive welcome offer. Includes personal perspective on how the card compares to other business cash back cards and when it's ideal.
Ink Business Cash Credit Card Review
Bankrate's comprehensive review of the Ink Business Cash evaluating the 5% earning on office supplies, internet, and cable services, 2% on gas and restaurants, and 1% on everything else. Includes analysis of earning limits and comparison with competing business cards.
Ink Business Cash Credit Card Review 2025
Daily Drop's expert review of the Ink Business Cash covering the no annual fee advantage, 5X earning on office supplies and internet purchases, 2X on gas and restaurants, and detailed comparison with competing business cash back cards.
5 reasons to apply for the Chase Ink Business Cash Card
Guide outlining the five key reasons to apply for the Ink Business Cash including the no annual fee structure, robust earning on everyday business expenses, travel and purchase protections, and the card's flexibility for different business types.
The Chase Ink Business Cash Card Could Earn You $1,500+ in 2026
Analysis of the Ink Business Cash earning potential in 2026, estimating how much cash back a typical small business owner can earn when strategically using the card's 5X and 2X categories. Includes concrete examples and optimization strategies.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Bonus categories |
| Chase | Chase: Apr | |
| Chase | Chase: Apr | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
