Chase Ink Business Cash® Credit Card

Earn 5% on office supplies and internet/cable/phone services (up to $25K/year), 2% on gas/dining, 1% all else. No annual fee.

Last checked on June 12, 2026. We may earn a commission when you click through.

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✓ 5% cash back on office supplies and select services ✓ No annual fee ✓ Sign-up bonus of $350 after $3,000 spent in 3 months
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Chase Ink Business Cash® Credit Card

Visa · business

Our Verdict Recommended

The Chase Ink Business Cash® Credit Card offers robust rewards for business expenses without an annual fee, making it a solid choice for small business owners.

What it really costs

Annual fee No annual fee
APR Range 18.49% – 24.49%
Rewards5% office supplies/internet/phone (first $25k/yr), 2% gas/dining (first $25k/yr), 1% all other 5%
Welcome bonusEarn $350 after spending $3,000 in first 3 months $350

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Who it's for

This card is ideal for small business owners looking to maximize cash back on everyday expenses, especially in office supply and telecommunications.

Watch out

Potential high APR for carry balances, so it's best for those who pay off their statement in full each month.

The good and the not so good

  • 5% cash back on office supplies and select services
  • No annual fee
  • Sign-up bonus of $350 after $3,000 spent in 3 months
  • 2% cash back on gas and dining
  • Flexible rewards on all other purchases
  • Rewards capped at $25,000 per year for 5% categories
  • Variable APR of 18.49%-24.49%
  • Requires good to excellent credit
  • Limited bonus categories compared to some competitors

In-Depth Review

The Chase Ink Business Cash® Credit Card stands out for its generous rewards structure, particularly for office supplies and telecommunications services, earning 5% cash back on up to $25,000 in combined purchases each year. This makes it particularly beneficial for small businesses that regularly incur these expenses. Additionally, the lack of an annual fee enhances its appeal, allowing businesses to save money while still reaping rewards. The sign-up bonus of $350 after spending $3,000 in the first three months is attractive, providing a quick return on investment for new cardholders. However, there are some limitations to consider. The rewards are capped at a certain spending threshold, which may not suit larger businesses or those with higher expenditure in these categories. Furthermore, the card has a variable APR ranging from 18.49% to 24.49%, which can be steep for those who carry a balance. It requires good to excellent credit for approval, which may exclude some potential applicants. Compared to alternatives like the American Express Blue Business Cash™ Card, which offers similar rewards without an annual fee but has different bonus structures, the Ink Business Cash may not be the best fit for everyone. In summary, it's a highly functional card for specific business needs, but users should be mindful of their spending habits and credit status.

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