Chase
Chase Ink Business Cash
Large welcome offer worth an estimated $1538
- Annual fee
- None
- Welcome offer
- ~$1,537.50
- Annual benefits value
- $0
- Est. 1st-year value
- $1,537.50
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Our review
The Chase Ink Business Cash is a no-annual-fee business card that delivers strong cash back in categories many small businesses use most, especially office supplies and telecommunications services. Despite branding as a cash-back card, it earns Chase Ultimate Rewards points that can become transferable when paired with an eligible Chase card.
It ranks well in our business category because it offers high category earning with no annual fee, which is a rare and practical combination. For businesses that spend heavily on office supplies, internet, cable, or phone service, the elevated rewards can add up quickly.
The card earns elevated cash back at office supply stores and on internet, cable, and phone services up to an annual spending cap, a mid-tier rate on dining and gas up to that cap, and a base rate on everything else. The category caps reward focused spending rather than very high overall volume.
We like this card because it pairs meaningful category rewards with a zero annual fee, and because its points can be combined with a Sapphire or Ink Business Preferred card to unlock travel transfer partners. That flexibility makes it more than a simple cash-back card.
This card is best suited for small businesses with steady office supply and telecom spending that want strong rewards without an annual fee. Businesses that frequently make purchases abroad should note that it charges a foreign transaction fee, which makes it less ideal for international spending.
Why we like it
- High cash back at office supply stores and on internet, cable, and phone services up to an annual cap, which fits common small-business spending.
- No annual fee, so the rewards are not offset by a recurring cost.
- Rewards are earned as Chase Ultimate Rewards points and can be combined with an eligible Chase card to access travel transfer partners.
- A meaningful welcome bonus for a card with no annual fee.
- Purchase protection on eligible new purchases against damage or theft for a limited window, subject to per-claim limits.
Who it's best for
- Small businesses with steady spending on office supplies and telecom services.
- Owners who want strong category cash back with no annual fee.
- Cardholders who also hold a Sapphire or Ink Business Preferred card and want to boost the value of their points.
Welcome bonus
The Chase Ink Business Cash currently offers a welcome bonus after you meet a minimum spending requirement within the first few months. Chase has offered this bonus as either cash back or points depending on the promotion, so confirm the current offer and its estimated value shown above before applying.
Chase eligibility rules apply to the bonus, so cardholders who recently received an Ink Business Cash bonus may need to wait before qualifying again.
Using your rewards
Rewards are earned as Chase Ultimate Rewards points and can be redeemed for cash back, gift cards, or travel through Chase Travel. On their own, points are typically worth one cent each toward cash back.
When you also hold a card with transfer-partner access, such as a Sapphire card or the Ink Business Preferred, you can combine points and transfer them to partners including World of Hyatt, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards, United MileagePlus, Southwest Rapid Rewards, JetBlue TrueBlue, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, Iberia Plus, Aer Lingus AerClub, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer.
That pooling ability is what makes this card more flexible than a standard cash-back product.
Airport lounge access
No. The Chase Ink Business Cash does not include airport lounge access.
Foreign transaction fees
The Chase Ink Business Cash charges a foreign transaction fee on purchases processed outside the United States, which makes it less ideal for buying inventory overseas or spending while traveling abroad. A card with no foreign transaction fee is a better fit for international spending.
Major credits & annual benefits
The card does not offer recurring statement credits. Its value comes from category cash back and its no-annual-fee structure.
Cardholders can add employee cards, which can help concentrate spending in the bonus categories and earn rewards faster.
Insurance & protections
The card generally includes purchase protection on eligible new purchases against damage or theft for a limited period.
Coverage typically requires paying with the card and is subject to limits, exclusions, and claim procedures. Review the current benefit guide before relying on any protection.
Fees & tradeoffs
The card has no annual fee, so the main tradeoffs are the annual caps on the bonus categories and the foreign transaction fee. Businesses that exceed the category caps will earn only the base rate above them.
For international purchases, the foreign transaction fee is the biggest drawback and a reason to carry a different card abroad.
Final verdict
For a domestic small business with regular office supply and telecom spending, the Chase Ink Business Cash offers excellent value at no annual cost, and pairing it with a transfer-partner card raises its ceiling further. The estimated first-year value shown above reflects the welcome bonus plus ongoing rewards.
Businesses that spend heavily abroad, or that want a single flat rate on all purchases, may prefer the Ink Business Unlimited or a no-foreign-transaction-fee alternative.
Card details change often. Verify current rates, fees, welcome offers, credits, and benefit terms with the issuer before applying.
Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $0
- Welcome offer
- $1,537.50
- Annual fee
- +$0
- Estimated first-year net
- +$1,537.50
Welcome offer
Welcome offer value
Earn 75,000 points after $6,000 in spend within 3 months
$1,537.50
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$0
| Benefit | Frequency | Est. annual value |
|---|---|---|
Purchase Protection Covers new purchases for 120 days against damage or theft, up to $10,000 per claim. | Annual | $0 |
Earning rates
Who it's for
Consider it if
- Large welcome offer worth an estimated $1538
- No annual fee to keep the card
- Points transfer to travel partners
Maybe skip it if
- Best value requires learning transfer partners
Fees & details
- Annual fee
- None
- Foreign transaction fee
- 3%
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Chase Ultimate Rewards
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | None | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$1,537.50 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $1,537.50 | $5,160.40 | $4,684 |
| Annual benefits value | $0 | $2,160.40 | $1,684 |
| Editor rating | 4.5 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure |
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|
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
