Chase Ink Business Cash

Rewards summary

Earns 5% on the first $25,000 a year of combined office supply store and internet/cable/phone purchases, 2% on the first $25,000 at gas stations and restaurants, and 1% elsewhere. At our spending mix it ties a 2% card in cash; paired with Ink Business Preferred or a Sapphire card, its points become transferable.

Earn rates

• 5% on the first $25,000 a year in combined office supply store and internet, cable, and phone purchases
• 2% on the first $25,000 a year in combined gas station and restaurant purchases
• 1% on all other purchases

Year-2 value math

Year-2 net value of about $600 on $30,000 of annual spending: about the same as a $0, 2% flat-rate card.

Office supply, internet, and phone: $6,000 at 5%

$300

Gas and restaurants: $6,000 at 2%

$120

Everything else: $18,000 at 1%

$180

Annual fee (Year 2)

$0

Year-2 net value

$600

$0, 2% flat-card baseline on the same $30,000

$600

Difference vs. baseline

$0

At this spending mix, the card beats a $0, 2% flat-rate card once about $6,000 a year runs through its bonus categories (we assume $6,000).

If you pool points with Ink Business Preferred or a Sapphire card and transfer them, the same spending is worth about $960 in rewards at 1.6¢ per point: a Year-2 net of $960, $360 more than the 2% baseline.

Assumptions behind the math

• $30,000 of annual spending on this card, split as shown.
• Rewards valued as cash back at 1¢ each.
• Welcome bonus excluded: this is Year-2 math, when the card has to earn its keep.

Credits and perks

No annual statement credits. A 0% intro APR on purchases is offered; terms vary.

• Not a travel card: a 3% foreign transaction fee applies abroad.
• Rewards are Ultimate Rewards points redeemable at 1¢; pooling with Ink Business Preferred or a Sapphire card unlocks transfers.

What the marketing overstates

• Both bonus tiers are capped at $25,000 a year; above that, spending earns 1%.
• Transferable-point value requires holding an annual-fee Chase card as well.

Who should get it

• LLCs with recurring internet, phone, and office supply spending
• Business owners who want a $0-fee card alongside Ink Business Preferred
• Businesses buying gift cards or supplies at office supply stores

Who should skip it

• Your business spending is mostly outside office supply, telecom, gas, and restaurants
• You spend abroad (3% foreign transaction fee)
• You want one card for everything: a 2% card is simpler

Alternatives to compare

• Chase Ink Business Preferred ($95 annual fee)

  3x transferable points on travel, shipping, ads, and telecom for $95.

• Citi Double Cash ($0 annual fee)

  Flat 2% when business spending does not fit the bonus categories.

• Chase Freedom Unlimited ($0 annual fee)

  The personal no-fee Chase card for pooling points.

Fact check

Checked Oct 29, 2026. Checked against current public card listings and recent 2026 card reviews. Issuer terms were not independently confirmed, so confirm final terms on the issuer's site before applying.

• Verified: $0 annual fee; 5% and 2% tiers, each capped at $25,000 a year; 1% other.
• Not yet verified: The welcome offer varies by listing ($750–$1,000) and is not used in this profile.

Sources

• Chase official card page

  Primary source for current terms. Our automated check of this page runs weekly.

• CreditCards.com

  Checked Oct 29, 2026: $0 fee, 5% and 2% tiers each capped at $25,000.

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