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5% cash back on office supplies and telecom — $0 annual fee
Earn a $750 welcome bonus and unlimited 5% cash back on office supplies, internet, cable and phone services (capped at $25,000 combined annually), 2% on gas and restaurants, and 1% on everything else with zero annual fee. Perfect for small business owners seeking straightforward cash rewards without annual costs.
$0
Annual Fee
750
Ultimate Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 750 Ultimate Rewards points
Spend: $6,000
Period: 3 months
5X
Cap: $25,000/annual
5X
Cap: $25,000/annual
2X
Cap: $25,000/annual
2X
Cap: $25,000/annual
1X
1% on all other purchases - No annual cap
Earn 5% cash back on office supply stores and internet, cable, and phone services—the core expenses of running a business. Cap of $25,000 combined annual spend in this category means up to $1,250 in annual cash back. Great for service businesses and consultants with regular operational expenses.
Spend $2,000/month on office supplies, internet, and phone ($24,000 annually): earn $1,200 in cash back. Spend $1,500/month: earn $900/year.
Earn 2% cash back on business fuel and dining purchases up to $25,000 combined per year. Covers client entertainment, team meals, and business vehicle fueling. Simple to track and no enrollment needed—automatically earn 2% on all eligible gas and restaurant transactions.
Spend $1,200/month on gas and client dining ($14,400 annually): earn $288 in cash back. Spend $2,000/month: earn $500/year.
Earn 1% cash back on all other business purchases with no limits or caps. Covers vendor payments, utilities, subscriptions, and miscellaneous business expenses. Rewards never expire as long as your account remains open, so cash back accumulates continuously.
Spend $5,000/month on other business expenses ($60,000 annually): earn $600 in cash back with no spending limits.
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 16.99%–24.99% (Variable) |
| Cash Advance APR | 24.99% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
5% cash back on office supplies and telecom — $0 annual fee
Earn a $750 welcome bonus and unlimited 5% cash back on office supplies, internet, cable and phone services (capped at $25,000 combined annually), 2% on gas and restaurants, and 1% on everything else with zero annual fee. Perfect for small business owners seeking straightforward cash rewards without annual costs.
$0
Annual Fee
750
Ultimate Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 750 Ultimate Rewards points
Spend: $6,000
Period: 3 months
5X
Cap: $25,000/annual
5X
Cap: $25,000/annual
2X
Cap: $25,000/annual
2X
Cap: $25,000/annual
1X
1% on all other purchases - No annual cap
Earn 5% cash back on office supply stores and internet, cable, and phone services—the core expenses of running a business. Cap of $25,000 combined annual spend in this category means up to $1,250 in annual cash back. Great for service businesses and consultants with regular operational expenses.
Spend $2,000/month on office supplies, internet, and phone ($24,000 annually): earn $1,200 in cash back. Spend $1,500/month: earn $900/year.
Earn 2% cash back on business fuel and dining purchases up to $25,000 combined per year. Covers client entertainment, team meals, and business vehicle fueling. Simple to track and no enrollment needed—automatically earn 2% on all eligible gas and restaurant transactions.
Spend $1,200/month on gas and client dining ($14,400 annually): earn $288 in cash back. Spend $2,000/month: earn $500/year.
Earn 1% cash back on all other business purchases with no limits or caps. Covers vendor payments, utilities, subscriptions, and miscellaneous business expenses. Rewards never expire as long as your account remains open, so cash back accumulates continuously.
Spend $5,000/month on other business expenses ($60,000 annually): earn $600 in cash back with no spending limits.
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 16.99%–24.99% (Variable) |
| Cash Advance APR | 24.99% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
5% cash back on office supplies and telecom — $0 annual fee
Earn a $750 welcome bonus and unlimited 5% cash back on office supplies, internet, cable and phone services (capped at $25,000 combined annually), 2% on gas and restaurants, and 1% on everything else with zero annual fee. Perfect for small business owners seeking straightforward cash rewards without annual costs.
$0
Annual Fee
750
Ultimate Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 750 Ultimate Rewards points
Spend: $6,000
Period: 3 months
5X
Cap: $25,000/annual
5X
Cap: $25,000/annual
2X
Cap: $25,000/annual
2X
Cap: $25,000/annual
1X
1% on all other purchases - No annual cap
Earn 5% cash back on office supply stores and internet, cable, and phone services—the core expenses of running a business. Cap of $25,000 combined annual spend in this category means up to $1,250 in annual cash back. Great for service businesses and consultants with regular operational expenses.
Spend $2,000/month on office supplies, internet, and phone ($24,000 annually): earn $1,200 in cash back. Spend $1,500/month: earn $900/year.
Earn 2% cash back on business fuel and dining purchases up to $25,000 combined per year. Covers client entertainment, team meals, and business vehicle fueling. Simple to track and no enrollment needed—automatically earn 2% on all eligible gas and restaurant transactions.
Spend $1,200/month on gas and client dining ($14,400 annually): earn $288 in cash back. Spend $2,000/month: earn $500/year.
Earn 1% cash back on all other business purchases with no limits or caps. Covers vendor payments, utilities, subscriptions, and miscellaneous business expenses. Rewards never expire as long as your account remains open, so cash back accumulates continuously.
Spend $5,000/month on other business expenses ($60,000 annually): earn $600 in cash back with no spending limits.
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Chase Ink No Fee Lifetime Rule | The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 16.99%–24.99% (Variable) |
| Cash Advance APR | 24.99% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Combined Protection Value
$76,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
The Chase Ink Business Cash delivers straightforward cash back rewards perfect for service-based businesses with regular office and utility expenses. Zero annual fee makes it ideal as a primary business card, while the simple three-tier earn structure requires no category activation or enrollment.
The Chase Ink Business Cash card is one of the best no-annual-fee business cards on the market. It offers excellent category multipliers, an easy-to-earn welcome bonus, and strategic value when paired with a Chase Sapphire card.
With **no annual fee**, a generous sign-up bonus, and strong category-based earn rates, the Chase Ink Business Cash is a straightforward choice for anyone collecting Chase Ultimate Rewards. The regular offer is 75,000 points (or $750 cash back) after spending $6,000 in the first 6 months — but we’ve seen elevated offers of 90,000 points in the past, so it may be worth waiting. Plus, this card **doesn’t count against your 5/24**, making it perfect for anyone looking to build their Chase strategy without sacrificing personal card slots. If you have a side hustle or small business, this is one of the smartest ways to boost your Chase points.
The Chase Ink Business Cash card is ideal for anyone who wants **high rewards on common business expenses** — especially when paired with a Sapphire Reserve or Preferred for point transfers.
- Earn 75,000 points after spending $6,000 in the first 6 months (split: 35,000 after $3,000 in 3 months, then 40,000 more at $6,000 total in 6 months)
- 5% back (5x points) on the first $25,000 spent each year at office supply stores and on internet, cable, and phone services
- 2% back (2x points) on the first $25,000 spent each year at gas stations and restaurants
- 1% back on all other purchases
- Use 5x at office supply stores to buy gift cards to places like Amazon and Apple — an easy way to boost value on everyday spending
Although the card is marketed as “cash back,” the **points you earn can be transferred to a Sapphire card, giving you access to Chase travel partners for outsized redemption value**.
Here are some exceptions where the card might not be good for you: You're holding out for a higher sign-up bonus (historically up to 90,000 points). Or the bonus categories don’t align with your business spending.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
The Ink Business Cash card plays a key role in any Chase strategy, especially when paired with other Ultimate Rewards-earning cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Preferred | mid | $95 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Comprehensive review of the Chase Ink Business Cash covering the card's no annual fee structure, 5X earning on office supplies and internet, 2X on gas and restaurants, and unlimited 1X on all other purchases. Analysis of the strong welcome offer and value for small business owners.
NerdWallet's 2026 review of the Ink Business Cash evaluating the card's cash back structure, competitive welcome bonus, no annual fee advantage, and suitability for different business spending patterns. Includes analysis of earning rates on common business expenses.
Detailed comparison of the Ink Business Preferred and Ink Business Cash cards showing why small business owners should consider having both. Analyzes earning categories, annual fees, travel protections, and optimal spending strategies for each card.
WalletHub's aggregated user reviews and expert analysis of the Ink Business Cash with 300+ user ratings. Includes community feedback on the card's actual value, ease of use, customer service experience, and real-world benefit delivery for small business owners.
Analysis of the Ink Business Cash earning potential in 2026, estimating how much cash back a typical small business owner can earn when strategically using the card's 5X and 2X categories. Includes concrete examples and optimization strategies.
Bankrate's comprehensive review of the Ink Business Cash evaluating the 5% earning on office supplies, internet, and cable services, 2% on gas and restaurants, and 1% on everything else. Includes analysis of earning limits and comparison with competing business cards.
Guide outlining the five key reasons to apply for the Ink Business Cash including the no annual fee structure, robust earning on everyday business expenses, travel and purchase protections, and the card's flexibility for different business types.
AskSebby's 2026 update on the Ink Business Cash highlighting the card's strong value proposition with 5X and 2X categories, no annual fee, and competitive welcome offer. Includes personal perspective on how the card compares to other business cash back cards and when it's ideal.
Daily Drop's expert review of the Ink Business Cash covering the no annual fee advantage, 5X earning on office supplies and internet purchases, 2X on gas and restaurants, and detailed comparison with competing business cash back cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$76,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
The Chase Ink Business Cash delivers straightforward cash back rewards perfect for service-based businesses with regular office and utility expenses. Zero annual fee makes it ideal as a primary business card, while the simple three-tier earn structure requires no category activation or enrollment.
The Chase Ink Business Cash card is one of the best no-annual-fee business cards on the market. It offers excellent category multipliers, an easy-to-earn welcome bonus, and strategic value when paired with a Chase Sapphire card.
With **no annual fee**, a generous sign-up bonus, and strong category-based earn rates, the Chase Ink Business Cash is a straightforward choice for anyone collecting Chase Ultimate Rewards. The regular offer is 75,000 points (or $750 cash back) after spending $6,000 in the first 6 months — but we’ve seen elevated offers of 90,000 points in the past, so it may be worth waiting. Plus, this card **doesn’t count against your 5/24**, making it perfect for anyone looking to build their Chase strategy without sacrificing personal card slots. If you have a side hustle or small business, this is one of the smartest ways to boost your Chase points.
The Chase Ink Business Cash card is ideal for anyone who wants **high rewards on common business expenses** — especially when paired with a Sapphire Reserve or Preferred for point transfers.
- Earn 75,000 points after spending $6,000 in the first 6 months (split: 35,000 after $3,000 in 3 months, then 40,000 more at $6,000 total in 6 months)
- 5% back (5x points) on the first $25,000 spent each year at office supply stores and on internet, cable, and phone services
- 2% back (2x points) on the first $25,000 spent each year at gas stations and restaurants
- 1% back on all other purchases
- Use 5x at office supply stores to buy gift cards to places like Amazon and Apple — an easy way to boost value on everyday spending
Although the card is marketed as “cash back,” the **points you earn can be transferred to a Sapphire card, giving you access to Chase travel partners for outsized redemption value**.
Here are some exceptions where the card might not be good for you: You're holding out for a higher sign-up bonus (historically up to 90,000 points). Or the bonus categories don’t align with your business spending.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
The Ink Business Cash card plays a key role in any Chase strategy, especially when paired with other Ultimate Rewards-earning cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Preferred | mid | $95 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Comprehensive review of the Chase Ink Business Cash covering the card's no annual fee structure, 5X earning on office supplies and internet, 2X on gas and restaurants, and unlimited 1X on all other purchases. Analysis of the strong welcome offer and value for small business owners.
NerdWallet's 2026 review of the Ink Business Cash evaluating the card's cash back structure, competitive welcome bonus, no annual fee advantage, and suitability for different business spending patterns. Includes analysis of earning rates on common business expenses.
Detailed comparison of the Ink Business Preferred and Ink Business Cash cards showing why small business owners should consider having both. Analyzes earning categories, annual fees, travel protections, and optimal spending strategies for each card.
WalletHub's aggregated user reviews and expert analysis of the Ink Business Cash with 300+ user ratings. Includes community feedback on the card's actual value, ease of use, customer service experience, and real-world benefit delivery for small business owners.
Analysis of the Ink Business Cash earning potential in 2026, estimating how much cash back a typical small business owner can earn when strategically using the card's 5X and 2X categories. Includes concrete examples and optimization strategies.
Bankrate's comprehensive review of the Ink Business Cash evaluating the 5% earning on office supplies, internet, and cable services, 2% on gas and restaurants, and 1% on everything else. Includes analysis of earning limits and comparison with competing business cards.
Guide outlining the five key reasons to apply for the Ink Business Cash including the no annual fee structure, robust earning on everyday business expenses, travel and purchase protections, and the card's flexibility for different business types.
AskSebby's 2026 update on the Ink Business Cash highlighting the card's strong value proposition with 5X and 2X categories, no annual fee, and competitive welcome offer. Includes personal perspective on how the card compares to other business cash back cards and when it's ideal.
Daily Drop's expert review of the Ink Business Cash covering the no annual fee advantage, 5X earning on office supplies and internet purchases, 2X on gas and restaurants, and detailed comparison with competing business cash back cards.
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Combined Protection Value
$76,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
The Chase Ink Business Cash delivers straightforward cash back rewards perfect for service-based businesses with regular office and utility expenses. Zero annual fee makes it ideal as a primary business card, while the simple three-tier earn structure requires no category activation or enrollment.
The Chase Ink Business Cash card is one of the best no-annual-fee business cards on the market. It offers excellent category multipliers, an easy-to-earn welcome bonus, and strategic value when paired with a Chase Sapphire card.
With **no annual fee**, a generous sign-up bonus, and strong category-based earn rates, the Chase Ink Business Cash is a straightforward choice for anyone collecting Chase Ultimate Rewards. The regular offer is 75,000 points (or $750 cash back) after spending $6,000 in the first 6 months — but we’ve seen elevated offers of 90,000 points in the past, so it may be worth waiting. Plus, this card **doesn’t count against your 5/24**, making it perfect for anyone looking to build their Chase strategy without sacrificing personal card slots. If you have a side hustle or small business, this is one of the smartest ways to boost your Chase points.
The Chase Ink Business Cash card is ideal for anyone who wants **high rewards on common business expenses** — especially when paired with a Sapphire Reserve or Preferred for point transfers.
- Earn 75,000 points after spending $6,000 in the first 6 months (split: 35,000 after $3,000 in 3 months, then 40,000 more at $6,000 total in 6 months)
- 5% back (5x points) on the first $25,000 spent each year at office supply stores and on internet, cable, and phone services
- 2% back (2x points) on the first $25,000 spent each year at gas stations and restaurants
- 1% back on all other purchases
- Use 5x at office supply stores to buy gift cards to places like Amazon and Apple — an easy way to boost value on everyday spending
Although the card is marketed as “cash back,” the **points you earn can be transferred to a Sapphire card, giving you access to Chase travel partners for outsized redemption value**.
Here are some exceptions where the card might not be good for you: You're holding out for a higher sign-up bonus (historically up to 90,000 points). Or the bonus categories don’t align with your business spending.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
The Ink Business Cash card plays a key role in any Chase strategy, especially when paired with other Ultimate Rewards-earning cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Ink family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Ink Business Preferred | mid | $95 | |
| Chase Ink Business Unlimited | premium | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
Comprehensive review of the Chase Ink Business Cash covering the card's no annual fee structure, 5X earning on office supplies and internet, 2X on gas and restaurants, and unlimited 1X on all other purchases. Analysis of the strong welcome offer and value for small business owners.
NerdWallet's 2026 review of the Ink Business Cash evaluating the card's cash back structure, competitive welcome bonus, no annual fee advantage, and suitability for different business spending patterns. Includes analysis of earning rates on common business expenses.
Detailed comparison of the Ink Business Preferred and Ink Business Cash cards showing why small business owners should consider having both. Analyzes earning categories, annual fees, travel protections, and optimal spending strategies for each card.
WalletHub's aggregated user reviews and expert analysis of the Ink Business Cash with 300+ user ratings. Includes community feedback on the card's actual value, ease of use, customer service experience, and real-world benefit delivery for small business owners.
Analysis of the Ink Business Cash earning potential in 2026, estimating how much cash back a typical small business owner can earn when strategically using the card's 5X and 2X categories. Includes concrete examples and optimization strategies.
Bankrate's comprehensive review of the Ink Business Cash evaluating the 5% earning on office supplies, internet, and cable services, 2% on gas and restaurants, and 1% on everything else. Includes analysis of earning limits and comparison with competing business cards.
Guide outlining the five key reasons to apply for the Ink Business Cash including the no annual fee structure, robust earning on everyday business expenses, travel and purchase protections, and the card's flexibility for different business types.
AskSebby's 2026 update on the Ink Business Cash highlighting the card's strong value proposition with 5X and 2X categories, no annual fee, and competitive welcome offer. Includes personal perspective on how the card compares to other business cash back cards and when it's ideal.
Daily Drop's expert review of the Ink Business Cash covering the no annual fee advantage, 5X earning on office supplies and internet purchases, 2X on gas and restaurants, and detailed comparison with competing business cash back cards.
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Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
- It earns “cash back” but really earns Ultimate Rewards points
- Points can’t be transferred directly to travel partners, but you can move them to a Sapphire Preferred or Reserve card
- Once transferred, you can redeem at up to 1.5x value or move them to Chase’s 1:1 travel partners
- It doesn’t count against your 5/24, so you can keep earning points without using up personal card slots
If you’re running multiple businesses or side hustles, you can apply for multiple Ink cards over time. Just space out your applications by 3–6 months, keep spend active on the cards, or consider closing unused ones after the first year.
This was the first business card we applied for after getting into the hobby - and we almost didn’t go for it because we didn’t think we had a “real” business. But using a side hustle like selling items on Marketplace qualified us, and we were approved quickly. We got in during an elevated 90,000-point bonus and paired that with a 20,000-point referral bonus between spouses for a quick 110,000-point haul.
We then transferred those points to our Chase Sapphire Reserve card, instantly increasing their value and accessing travel partner transfers. The Ink Business Cash became a cornerstone of our points strategy, helping us grow our Ultimate Rewards bank while staying under 5/24. It’s one of the smartest plays out there for small business owners.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
- It earns “cash back” but really earns Ultimate Rewards points
- Points can’t be transferred directly to travel partners, but you can move them to a Sapphire Preferred or Reserve card
- Once transferred, you can redeem at up to 1.5x value or move them to Chase’s 1:1 travel partners
- It doesn’t count against your 5/24, so you can keep earning points without using up personal card slots
If you’re running multiple businesses or side hustles, you can apply for multiple Ink cards over time. Just space out your applications by 3–6 months, keep spend active on the cards, or consider closing unused ones after the first year.
This was the first business card we applied for after getting into the hobby - and we almost didn’t go for it because we didn’t think we had a “real” business. But using a side hustle like selling items on Marketplace qualified us, and we were approved quickly. We got in during an elevated 90,000-point bonus and paired that with a 20,000-point referral bonus between spouses for a quick 110,000-point haul.
We then transferred those points to our Chase Sapphire Reserve card, instantly increasing their value and accessing travel partner transfers. The Ink Business Cash became a cornerstone of our points strategy, helping us grow our Ultimate Rewards bank while staying under 5/24. It’s one of the smartest plays out there for small business owners.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
- It earns “cash back” but really earns Ultimate Rewards points
- Points can’t be transferred directly to travel partners, but you can move them to a Sapphire Preferred or Reserve card
- Once transferred, you can redeem at up to 1.5x value or move them to Chase’s 1:1 travel partners
- It doesn’t count against your 5/24, so you can keep earning points without using up personal card slots
If you’re running multiple businesses or side hustles, you can apply for multiple Ink cards over time. Just space out your applications by 3–6 months, keep spend active on the cards, or consider closing unused ones after the first year.
This was the first business card we applied for after getting into the hobby - and we almost didn’t go for it because we didn’t think we had a “real” business. But using a side hustle like selling items on Marketplace qualified us, and we were approved quickly. We got in during an elevated 90,000-point bonus and paired that with a 20,000-point referral bonus between spouses for a quick 110,000-point haul.
We then transferred those points to our Chase Sapphire Reserve card, instantly increasing their value and accessing travel partner transfers. The Ink Business Cash became a cornerstone of our points strategy, helping us grow our Ultimate Rewards bank while staying under 5/24. It’s one of the smartest plays out there for small business owners.
