Skip to content
CreditCardSignups.com
Find a card

We're paid when you apply via some links. Details

Ink Business Cash Credit Card card art
Chase · ink

Ink Business Cash Credit Card

4.5 / 5
Ultimate Rewards · Business card

A no-annual-fee business card that pays 5% on the categories most small offices already spend on, capped at $25,000 a year. The points are worth more if you also hold a Preferred or Sapphire card.

Apply Now

At a glance

Welcome bonus
$1,000 cash
Spend $8,000 in 4 months
Annual fee
$0
Purchase APR
16.74% to 24.74%
Intro: 0% for 12 months
FX fee
3%
Editorial

Our take

A no-annual-fee business card that pays 5% on the categories most small offices already spend on, capped at $25,000 a year. The points are worth more if you also hold a Preferred or Sapphire card.

Verdict

Pros & cons

Pros

  • 5% back on office supplies and internet, cable and phone service
  • 2% back at gas stations and restaurants
  • No annual fee and free employee cards
  • 0% intro APR on purchases for 12 months

Cons

  • The 5% and 2% tiers each stop after $25,000 of spend per anniversary year
  • 3% foreign transaction fee makes it a poor card abroad
  • Points only transfer to airline and hotel partners if you pool them with a Sapphire or Ink Business Preferred account
Earnings

Earn rates

CategoryRateNotes
Office supply stores, internet, cable & phone5%On the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, then 1%. Cash back accrues as Chase Ultimate Rewards points worth 1 cent each toward cash back.·cap $25,000
Gas stations & restaurants2%On the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year, then 1%. Cash back accrues as Chase Ultimate Rewards points.·cap $25,000
Lyft rides5%Total 5% cash back on qualifying Lyft rides bought through the Lyft app through 09/30/2027.
All other purchases1%Unlimited 1% on all other purchases. Cash back accrues as Chase Ultimate Rewards points.
Benefits

Key benefits

5% on office and communications spend

Office supply stores plus internet, cable and phone earn 5% on the first $25,000 combined each anniversary year.

No annual fee

The card costs nothing to hold and employee cards are free too.

0% intro APR for 12 months

0% intro APR on purchases for the first 12 months from account opening, then the standard variable rate.

Free employee cards

Employee cards at no additional cost, with individual spending limits you set.

Points redeem through Ultimate Rewards

Cash back posts as Ultimate Rewards points you can take as statement credit, direct deposit, gift cards or travel.

Fit

Who this is best for

  • Small offices with steady office supply, internet, cable and phone bills
  • Owners who want business rewards without an annual fee
  • Businesses financing a startup purchase over the 12-month 0% intro period
FAQ

Frequently asked questions

What is the Ink Business Cash welcome bonus?
Earn $1,000 cash back after you spend $8,000 on purchases in the first 4 months after account opening.
Does the Ink Business Cash charge an annual fee?
No. The Ink Business Cash has a $0 annual fee.
Does the Ink Business Cash have a foreign transaction fee?
Yes. The Ink Business Cash charges a 3% foreign transaction fee on purchases made outside the US.
Does the Ink Business Cash offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 16.74% to 24.74% variable.
Who is the Ink Business Cash best for?
Small offices with steady office supply, internet, cable and phone bills. Owners who want business rewards without an annual fee. Businesses financing a startup purchase over the 12-month 0% intro period.
Similar

Related cards

Apply

Ink Business Cash Credit Card

Spend $8,000 in 4 months
Apply Now

Rates accurate as of September 4, 2026. Issuer terms.