Ink Business Cash®
Credit Card
The Ink Business Cash® is basically the business version of a category cash-back card — simple, no-annual-fee earning, but with much more upside if your business spending lines up with its bonus categories. Unlike the Ink Unlimited, this is not the card for putting every random purchase on autopilot. Its strength is in targeted expenses: office supply stores, internet, cable, phone services, gas, and restaurants. That makes it especially valuable for business owners who can naturally maximize those categories without forcing spend. On its own, it is a strong cash-back business card. But when paired with an Ink Preferred, Sapphire Preferred, or Sapphire Reserve, those rewards can become transferable Ultimate Rewards points, turning ordinary business expenses into much more valuable travel redemptions.
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Advait
Founder, Miles Beyond Borders
WHY I LIKE THIS CARD
The Ink Business Cash® Credit Card is a no-annual-fee business card built for bonus-category spending on things like office supplies, phone, internet, gas, and dining. On its own, it works as strong cash back, but paired with a Sapphire or Ink Preferred, it can turn everyday business expenses into transferable travel points.
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WELCOME BONUS
after you spend $6,000 on purchases in the first 3 months after account opening
After spending $3000 in
purchases in the first 3 months.
$750
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$750
$750
RECOMMENDED CREDIT
Good -
Excellent
REWARDS TYPE
Cash Back
ANNUAL FEE
No Annual Fee
WELCOME BONUS
Ink Business Cash®
Credit Card
The best no-annual-fee category card from Chase for small businesses that spend on office supplies, phone, internet, gas, and dining.
earning rates
Office Supply Stores, Internet, Cable, Phone
2%
Gas Stations & Restaurants
5%
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Lyft Rides
1%
All Other Purchases
5%
Complimentary access to 1,300+ airport lounges worldwide, with up to 2 guests per visit.
$300 in statement credits each year applied automatically to travel purchases.
Move points 1:1 to Hyatt, United, Air Canada, Singapore Airlines, and more.
Statement credit for Global Entry, TSA PreCheck, or NEXUS every 4 years.
Complimentary IHG Platinum, Avis President's Club, and National Emerald Executive.
Chase Ink Business Cash® Credit Card
Priority Pass Lounge Access
Complimentary membership for primary cardmembers and authorized users, with up to two guests per visit. Access to over 1,300 airport lounges worldwide.
Transfer Partners
Move points 1:1 to Chase's airline and hotel partners, including Hyatt, United, Air Canada Aeroplan, Singapore Airlines, and more.
Annual Travel Credit
$300 in statement credits each year on travel purchases — applied automatically to flights, hotels, parking, tolls, and more.
Trusted Traveler credit
Statement credit for application fees to Global Entry, TSA PreCheck, or NEXUS — once every four years.
The Edit by Chase Travel
Daily breakfast, room upgrades, and on-property credits at participating hotels.
Elite status perks
Complimentary IHG Platinum Elite, Avis President’s Club, and National Emerald Club Executive status.
CARD BENEFITS
What's Included.
The no-annual-fee business category card from Chase — excellent for office supplies, phone, internet, gas, and dining, but most powerful when paired with a Sapphire or Ink Preferred to turn cash back into transferable travel points.
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5% On Lyft Rides
On all Drugstore Purchases
Earn 5% on all purchases through Chase Travel℠
1.5% On All Spend
3% On Dining
3% on Drugstores
Earn a generous 1.5% on all non-bonus categories
On Restaurants & eligible food delivery.