Chase Ink Business Cash® Credit Card

Chase

No Annual Fee

Annual Fee

visaExcellentbusinessno-annual-feelast month

Welcome Offer

100,000 pts(≈ $1700)Spend $8,000 within 4 months

OpenCard editorial analysis

Our take

A no-fee business card that can be highly effective when office, internet, phone, or other eligible categories match normal operating expenses. The category caps and definitions matter, and personal spending should not be mixed into the account merely to chase rewards. Paired with an eligible Chase premium card, rewards may gain additional flexibility.

Best for

✓ Small businesses with strong eligible category spend
✓ Chase points users
✓ Owners wanting no annual fee

Not ideal for

— Businesses whose expenses fall outside bonus categories
— Very high spenders exceeding category caps
— Owners wanting one card for international travel

Conservative break-even test

Project each eligible business category up to its cap and compare with a flat-rate business card. If pairing with a fee-bearing Chase card, justify that card's fee independently rather than assigning all combined value to Ink Cash.

First year vs. ongoing year worksheet

Annual fee hurdle

Issuer-data bonus estimate

$1,700

First-year net before credits

$1,700

For year two, remove the one-time welcome offer entirely. To recover a $0 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $0 in eligible annual spend before counting credits you would genuinely buy anyway.

Data reviewed 2026-07-05. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.

Compare alternatives

Ink Business Unlimited →

Simpler base earning for uncategorized business spend.

Ink Business Preferred →

Transfer and travel features for businesses able to recover a fee.

Earning Rates

5×Office Supply StoresOn the first $25,000 spent in combined purchases each account anniversary year.

5×Internet, Cable & Phone ServicesOn the first $25,000 spent in combined purchases each account anniversary year.

2×Gas StationsOn the first $25,000 spent in combined purchases each account anniversary year (combined with restaurants).

2×RestaurantsOn the first $25,000 spent in combined purchases each account anniversary year (combined with gas stations).

5×Lyft RidesThrough September 30, 2027.

1×DefaultUnlimited 1% cash back on all other purchases.

Other Benefits

Employee Cards

Add employee cards at no additional cost.

Auto Credit Limit Increase

Automatically considered for a credit line increase every 6 months.

Insurance

Trip Cancellation

Trip Delay

Rental InsurancePrimary

Purchase Protection

Extended Warranty

Application Rules

Sources

Last Updated: Jul 5, 2026