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Chase Ink Business Cash
Published by CreditMango · Mike Kwak · Editorial policy
Best No-Fee Business Card
+ Pros
- ✓5% eligible business categories
- ✓No annual fee
- ✓Employee cards at no additional cost
− Cons
- ✗Bonus categories have shared group caps
- ✗3% foreign transaction fee
- ✗Business eligibility and personal liability apply
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| Office Supplies/Internet/Phone | 5% | $200/mo | $120 |
| Gas & Dining | 2% | $300/mo | $72 |
| All Other | 1% | $1000/mo | $120 |
| Total Estimated Annual Rewards | $312 | ||
Perks & Credits
Office supply stores and internet, cable and phone services share a $25,000 account-anniversary-year cap. Software is not automatically eligible.
These categories share a separate $25,000 account-anniversary-year cap.
Standalone cash redemption is 1 cent per point. Eligible combinations with Sapphire Preferred, Sapphire Reserve or Ink Business Preferred can enable partner transfers, subject to account rules and the companion fee.
- Problem with a purchase shown on your statement2,344
- Other features, terms, or problems1,437
- Advertising and marketing, including promotional offers590
Source: CFPB Consumer Complaint Database, checked 2026-10-12. These counts cover the issuer, not this specific card, and are not adjusted for customer count. Complaints are not necessarily evidence of wrongdoing.
Ink Business Cash is useful for qualifying business essentials, but it does not automatically award 5% on software subscriptions. The current public welcome offer is $1,000 after $8,000 in four months. Eligibility may be restricted if you have held this or another no-fee Chase business card.
Understand the two caps
Office-supply-store purchases and eligible internet, cable and phone services share a $25,000 spending cap for 5% rewards. Gas stations and restaurants share a separate $25,000 cap for 2%. Each resets by account anniversary year. Spending above a group's cap earns 1%.
For example, $36,000 annually in eligible gas and restaurant spending earns $500 on the first $25,000 plus $110 on the remainder: $610, rather than an uncapped $720. Our comparison now applies this shared cap, assuming unused limits at the start. It does not collect the 5% business categories, so those rewards are excluded. Use qualifying gas spending, not general transit, for this card's gas input.
Compare the complete cost
There is no annual fee, and the current purchase promotion lasts 12 months at 0%, followed by a variable 16.74%–24.74% APR. Financing costs can outweigh rewards.
Cash redemption values points at 1 cent each. Partner transfers require eligible point combination with a qualifying companion card, such as Sapphire Preferred, Sapphire Reserve or Ink Business Preferred. Include that card's fee and check current account and partner rules; transfer value is not guaranteed.
Verify your Chase offer and pricing terms before applying.
Who This Card Is For
- →Businesses with qualifying office-supply-store or telecom purchases.
- →Businesses able to meet the offer through planned, eligible spending.
Who Should Skip This Card
- →Businesses expecting all software purchases to earn 5%.
- →People needing a business card without foreign transaction fees.
- →Applicants assuming a prior no-fee Chase business card cannot affect bonus eligibility.
How It Compares
| Card | Annual Fee | Best Rate |
|---|---|---|
| Chase Ink Business Cash (this card) | $0 | 5% |
| Chase Freedom UnlimitedBest No-Fee Card with Category Bonuses | $0 | 1.5% |
| Capital One Quicksilver Cash RewardsBest No-Fee Card for Travel Spending | $0 | 1.5% |
| Blue Cash Preferred Card from American ExpressBest for Groceries | $95 | 6% |
Frequently Asked Questions
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Last updated: 2026-09-10