Chase Ink Business Cash

The Ink Business Cash is a no-fee business card built around the expenses an office based business pays whether it wants to or not: supplies, internet, cable and phone service. Those categories earn 5%, a rate normally reserved for cards that charge a fee, and the earn is capped, so the card rewards consistent moderate spending rather than one large purchase. Below that sit 2% at gas stations and restaurants, also capped, and 1% on everything else. It is a Visa issued by Chase, and approval generally calls for good to excellent credit, roughly 690 or higher. The practical read is that this card is excellent across a narrow slice of spending and ordinary outside it. A business that buys supplies and equipment through office supply stores and pays its telecom bills on the card can fill the 5% tier without changing any behavior. A business whose costs are payroll, contractors, advertising or inventory will spend most of its budget at 1%, which is worse than a flat rate card. The welcome offer is the single biggest lever here: the standard bonus is $750 after $6,000 in the first three months, and an elevated offer worth up to $1,000 ran in June 2026, so the timing of your application can matter more than a year of category optimization. The annual fee is $0, so there is no hurdle to clear before the card is worth holding. Interest is where it becomes expensive. The regular APR is 16.74% to 24.74% variable after the 0% intro APR for 12 months on purchases. That intro window is genuinely useful for a business smoothing out a lumpy first year, but it applies to purchases, and a balance carried past month twelve at those rates costs more than the 5% categories return. On any business card, rewards are a rounding error next to revolving interest. This is not a card for a business whose spending is spread evenly across categories, for anyone who wants one simple rate on everything, or for someone who cannot qualify for business credit in the first place. It is also worth remembering that this is a business product rather than a personal one, which means business underwriting, business terms, and the personal guarantee that small business cards generally require. A side project with a few hundred dollars of monthly spending will not extract enough from the 5% tier to justify that.