Chase Ink Business Cash Credit Card review

The Ink Business Cash card is built around the bills most small businesses pay every month. Chase pays 5% cash back on the first $25,000 spent each account anniversary year at office supply stores and on internet, cable and phone services, and 2% on the first $25,000 at gas stations and restaurants. Everything else earns 1% with no limit. The annual fee is $0, the new cardmember offer is $750 cash back after $6,000 in purchases in the first 3 months, and purchases get a 0% intro APR for 12 months from account opening. Employee cards cost nothing extra and can each carry their own spending limit. The trade-off is the cap: an owner who puts $50,000 a year on internet and office supplies earns 5% on only half of it. For uncategorized spend a flat-rate card earns more, which is why many owners pair this card with the Ink Business Unlimited or another 1.5% to 2% card.

Who it is for

owners with steady telecom, internet and office supply bills

Price

$0 annual fee.

ANNUAL FEE $0
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 5% cash back on the first $25,000 in combined office supply store and internet, cable and phone purchases each account anniversary year
• 2% cash back on the first $25,000 in combined gas station and restaurant purchases each account anniversary year
• 1% cash back on all other purchases with no limit
• $750 cash back after $6,000 in purchases in the first 3 months
• 0% intro APR for 12 months from account opening on purchases

Strengths and weaknesses

• Strength: $0 annual fee with a 5% category rate that few no-fee cards match
• Strength: Employee cards at no additional cost, each with its own spending limit
• Strength: Rewards redeem through Chase Ultimate Rewards for cash back, gift cards or travel
• Weakness: The 5% and 2% rates stop after $25,000 each per anniversary year, then drop to 1%
• Weakness: Spend outside the bonus categories earns only 1%
• Weakness: Bonus may not be available if you have held another no-fee Chase for Business card

Key facts

• Annual fee: $0
• Top rate: 5% on office supplies and internet, cable and phone, first $25,000 a year
• Welcome offer: $750 after $6,000 in 3 months
• Intro APR: 0% on purchases for 12 months

Where it ranks

Chase Ink Business Cash Credit Card is No. 1 in our Best Business Credit Cards verdict.