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Annual Fee$0
APR18.49% - 24.49%
Sign-up Bonus$350~$350 value
Rewards5% office supplies/internet/phone
Credit Scoregood
Foreign FeesYes (3%)
+ Pros
- ✓5% on key business categories at $0 fee
- ✓Points transfer to Sapphire for travel
- ✓Employee cards at no extra cost
− Cons
- ✗3% foreign transaction fee
- ✗$25K annual cap on bonus categories
- ✗Personal guarantee required
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
$0
No Annual Fee
No annual fee for a business card with 5% categories.
1:1
Sapphire Transfer
Points pool with Sapphire Preferred/Reserve for airline/hotel transfers.
Free
Employee Cards
Add employee cards at no cost — all spending earns rewards to your account.
Up to $10K
Purchase Protection
Covers new purchases against damage or theft for 120 days.
CFPB Consumer Complaints(Last 12 months)
6,095Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Solopreneurs who spend on office supplies, software, internet, and phone plans
- →Chase ecosystem builders who want free business points feeding into Sapphire
- →Small businesses that want employee cards without per-card fees
Who Should Skip This Card
- →International businesses — 3% foreign transaction fee
- →Heavy spenders above $25K/yr in bonus categories — the cap limits value
- →Anyone wanting lounge access or premium travel perks
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Chase Ink Business Cash (this card) | $0 | 5% | 4.5/5 |
| Chase Freedom UnlimitedBest No-Fee Card with Category Bonuses | $0 | 1.5% | 4.5/5 |
| Capital One Quicksilver Cash RewardsBest No-Fee Card for Travel Spending | $0 | 1.5% | 4.3/5 |
| Blue Cash Preferred Card from American ExpressBest for Groceries | $95 | 6% | 4.4/5 |
Frequently Asked Questions
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Last updated: 2026-03-30