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⚖ Add to comparisonChase · Visa
Ink Business Cash Credit Card
The Ink Business Cash earns a strong 5% at office-supply stores and on internet/cable/phone (first $25,000/year combined), which is the play if you buy gift cards or stock supplies there, plus 2% at gas and restaurants. The $25,000 cap is the real ceiling: max it and that's $1,250 back, but spend past it and you drop to 1%, so high-volume businesses should pair it with a flat-rate card. No annual fee and a 12-month 0% intro APR sweeten it; the 3% foreign fee and 5/24 rule are the downsides. Like the other Inks, its cash back turns transferable when paired with a premium Chase card; check current terms on Chase's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% back at office supply stores and on telecom services
- ✓2% back at gas stations and restaurants
- ✓Combine it with premium Chase cards to make point transfers possible
👍 Pros
- + Carries no yearly fee
- + Healthy 5% and 2% earning categories
- + A 0% intro APR on purchases
👎 Cons
- – The bonus categories stop at $25,000 per year
- – Tacks on a 3% fee for foreign transactions
- – Falls under the Chase 5/24 rule
Can you get it?
- ▸A real business or side gig qualifies, sole proprietors included
- ▸Personal credit in the good-to-excellent range
- ▸Falls under the Chase 5/24 rule
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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