ChaseInk Business Cash

4231 6785 5639 2646

VALID THRU 10/28MORGAN LEE

woman in black t-shirt standing near woman in white t-shirt — Photo: Dan Burton / Unsplash

Business Cards · United States

Ink Business Cash Credit Card

4.5 / 5 editorial rating

Best for: Businesses with office-supply and telecom spend

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual feeNo annual fee

IssuerChase

NetworkVisa

Purchase APR16.74%–29.99% variable

Foreign transaction fee3%

Credit neededGood to Excellent (700+)

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

Compare USA cards

Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the Ink Business Cash Credit Card

The Ink Business Cash is the best choice for a small business with steady office supply, internet and phone costs, because 5% on the first $25,000 a year in those categories can return up to $1,250 with no annual fee. As of September 2026 Chase adds 2% on the first $25,000 a year at gas stations and restaurants, and 1% on everything else.

The caps define it. A business spending $2,000 a month in the 5% categories reaches $24,000 a year, just under the limit, while larger operations will hit the ceiling and need another card for the overflow. The 2% on gas and restaurants helps a business that drives or entertains clients, but it is no higher than several flat-rate cards pay on everything.

Outside those categories the card earns only 1%, below the 1.5% of the Ink Business Unlimited, so many owners carry both: this card for telecom and supplies, the Unlimited for everything else. With an Ink Business Preferred in the same Chase account, the rewards can be moved to travel partners, which can raise their value above cash.

Good fit if

Your business pays $500 or more a month for internet, cable and phone service
You buy supplies or equipment at office supply stores regularly
You want 12 months at 0% intro APR on purchases for a new business

Skip it if

Your 5% category spending would exceed $25,000 a year by a wide margin
Most of your costs are inventory or services outside the bonus categories

Worked example

Assume your business spends $600 a month on internet and phone, $400 at office supply stores, $500 at gas stations and restaurants, and $1,500 on other costs. The 5% categories total $12,000 a year, earning $600. Gas and restaurants total $6,000 at 2%, or $120. Other spending of $18,000 earns $180 at 1%. That is $900 in cash back with no annual fee, and both bonus categories stay well under their $25,000 caps. We value the rewards conservatively at their cash redemption value of 1 cent per point.

How it stacks up

The Ink Business Unlimited trades the 5% categories for a flat 1.5% on everything, which suits businesses without big telecom or supply bills. The Ink Business Preferred charges $95 and earns 3x points on advertising, shipping, travel and telecom up to $150,000 a year, a better fit once those costs outgrow the Ink Business Cash caps. While your 5% spending stays under $25,000 a year, the Ink Business Cash will usually return more than either on those bills.

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.