Ink Business Cash® Credit Card

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-23.49% variable
• Rewards: 5% on office supplies, internet, and phone (first $25K/year); 2% on gas and dining (first $25K/year); 1% on everything else
• Bonus: $750 bonus cash back after $6,000 in purchases in the first 3 months
• Best For: Businesses with heavy spending on office supplies, internet services, phone plans, gas, and dining
• Credit Needed: Good to Excellent (670+)

Overview

The Ink Business Cash is one of the most rewarding no-annual-fee business cards available, offering 5% cash back on the first $25,000 in combined purchases at office supply stores, internet, cable, and phone services each account anniversary year. It also earns 2% on the first $25,000 in combined purchases at gas stations and restaurants, and 1% on everything else.

For businesses that buy supplies at Staples or Office Depot, pay for internet and phone services, and fill up the company tank, the 5% and 2% categories cover a substantial share of operating costs. The $750 bonus after $6,000 in spending over three months matches the Ink Business Unlimited bonus, and the 0% intro APR for 12 months on purchases provides additional financial flexibility.

Like the Ink Unlimited, the cash back is technically earned as Ultimate Rewards points. Pairing this card with the Ink Business Preferred unlocks point transfers to Chase airline and hotel partners, making the 5X earning rate extraordinarily valuable. Five points per dollar at office supply stores, transferred to Hyatt at a value of 2 cents per point, delivers an effective 10% return on those purchases.

APR Breakdown

• Purchase APR: 17.49%-23.49% variable
• Balance Transfer APR: 17.49%-23.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: Up to 29.99% variable

Note: 0% intro APR for the first 12 months on purchases. After that, the variable APR of 17.49%-23.49% applies based on creditworthiness and the Prime Rate.

Benefits Overview

Category Cash Back

• 5% cash back at office supply stores on the first $25,000 in combined category purchases each year
• 5% cash back on internet, cable, and phone services on the first $25,000 combined
• 2% cash back at gas stations and restaurants on the first $25,000 combined each year
• 1% cash back on all other purchases with no cap

Introductory APR

• 0% intro APR for 12 months on purchases
• Finance office equipment or inventory interest-free in the first year
• Competitive ongoing APR of 17.49%-23.49% after the intro period

Ultimate Rewards Flexibility

• Cash back earned as Ultimate Rewards points
• Combine with Ink Business Preferred or Sapphire for transfer partner access
• 5X points at office supply stores become incredibly valuable when transferred to Hyatt or United
• Free employee cards that earn the same bonus rates

Rewards & Points

• 5% at office supply stores, on internet, cable, and phone services (first $25K/year combined)
• 2% at gas stations and restaurants (first $25K/year combined)
• 1% on all other purchases

Cash back is earned as Ultimate Rewards points. On their own, they are worth 1 cent per point. When combined with the Ink Business Preferred or a Sapphire card, they can be transferred to travel partners or redeemed through Chase Travel at 1.25 cents per point or more.

Welcome Bonus

Earn $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening. The bonus is deposited as 75,000 Ultimate Rewards points. When transferred to a premium Chase card, these points unlock transfer partners and enhanced travel redemption rates.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: Either $5 or 5% of the amount, whichever is greater
• Cash Advance Fee: Either $15 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40
• Employee Card Fee: $0

Who This Card Is Best For

Ideal For

• Office-heavy businesses that regularly purchase supplies from Staples, Office Depot, or similar stores
• Service-based businesses with significant internet, cable, and phone expenses each month
• Businesses with fleet vehicles that spend regularly on gas and dining for employees
• Chase ecosystem users who pair this with the Ink Business Preferred for 5X points to travel partners

Not Good For

• Businesses with low office supply spending that cannot take full advantage of the 5% category
• International businesses due to the 3% foreign transaction fee on purchases abroad
• High-volume spenders beyond $25K per category since bonus rates revert to 1% after the annual caps

Key Pros & Cons

Pros

• 5% cash back on office supplies, internet, cable, and phone services
• 2% cash back at gas stations and restaurants
• $750 bonus cash back with no annual fee
• 0% intro APR for 12 months on purchases
• No annual fee
• Ultimate Rewards points can be combined with premium Chase cards
• 5X at office supply stores is one of the highest earning rates for a no-fee card
• $25,000 annual cap on each bonus tier is generous for most small businesses
• Free employee cards with the same earning rates
• Excellent pairing with the Ink Business Preferred for point transfers

Cons

• $25,000 annual cap on 5% category spending limits very large businesses
• 3% foreign transaction fee hurts for international purchases
• $6,000 spending requirement for the bonus may challenge very small businesses
• No cell phone protection or travel insurance benefits
• 1% earning rate on non-bonus purchases is average
• Bonus categories are somewhat narrow and business-specific
• Gas and dining cap of $25,000 is shared between both categories
• Transfer partners require holding a separate premium Chase card

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $1,686 including the $750 bonus. When paired with the Ink Business Preferred for partner transfers, the 5X office supply earning could be worth 10% or more on those purchases.

Should You Get This Card?

You Should Get It If...

• Your business spends regularly at office supply stores like Staples or Office Depot
• You pay for internet, cable, and phone services as part of your business operations
• You want a no-annual-fee card with a $750 bonus
• You plan to pair this with the Ink Business Preferred for Ultimate Rewards transfers
• You need a 0% intro APR to finance business purchases
• Your gas and dining expenses are significant business costs
• You prefer category-based earning over a flat rate

You Should Skip It If...

• Your business does not spend meaningfully in the 5% or 2% categories
• You conduct business internationally and need no foreign transaction fees
• You prefer a flat-rate card that earns the same on everything
• Your category spending regularly exceeds the $25,000 annual caps
• You want travel protections or cell phone insurance from your card

Apply Now

Apply for Ink Business Cash® Credit Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.