Chase Ink Business Cash
No fee
Chase
Chase Ink Business Cash
4.6
(1,243 reviews)businesscashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The best no-annual-fee business credit card for companies spending on office supplies and telecom. Earn 5% cash back at office supply stores, on internet, cable, and phone services — categories that most businesses use heavily. The $750 welcome bonus after just $6,000 spend makes the first year especially lucrative.
Annual Fee
No annual fee
Purchase APR
18.49% – 24.49%
Rewards
1% base rate
Sign-Up Bonus
$750 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Chase Ink Business Cash is best suited for established credit users who small businesses with high office supply & telecom spend. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- 5% on office supplies & telecom
- Strong $750 sign-up bonus
- Small businesses with high office supply & telecom spend
Consider another card if you…
- 3% foreign transaction fee
- 5% categories capped at $25,000/year combined
- No travel perks
Rewards Breakdown
5% office supplies & internet/cable/phone, 2% gas & dining, 1% everything else
| Category | Rate |
|---|---|
| Office Supplies(The best card for foodies and grocery shoppers: 4x Membership Rewards at restaurants worldwide and US supermarkets (up to 25,000 dollars per year at groceries). The 120-dollar dining credit and 120-dollar Uber Cash annually offset the fee. Points transfer to 20-plus airline and hotel partners for outsized travel value.) | 5% |
| Internet/Cable/Phone(The best card for foodies and grocery shoppers: 4x Membership Rewards at restaurants worldwide and US supermarkets (up to 25,000 dollars per year at groceries). The 120-dollar dining credit and 120-dollar Uber Cash annually offset the fee. Points transfer to 20-plus airline and hotel partners for outsized travel value.) | 5% |
| Gas Stations | 2% |
| Dining | 2% |
| Everything else | 1% |
Rewards Distribution
5%
top rate
Office Supplies5%33%
Internet/Cable/Phone5%33%
Gas Stations2%13%
Dining2%13%
Everything else1%7%
Sign-Up Bonus
$750 after spending $6,000 in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 18.49% – 24.49% |
| Intro APR (Purchases) | 0% for 12 months |
| Intro APR (Balance Transfer) | 0% for 12 months |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
5% on office supplies & telecom
Strong $750 sign-up bonus
0% intro APR for 12 months
Employee cards free
3% foreign transaction fee
5% categories capped at $25,000/year combined
No travel perks
The Bottom Line
The Good: The Chase Ink Business Cash stands out for its no annual fee. The welcome bonus worth $750 adds significant first-year value.
The Not So Good: 3% foreign transaction fee.
Our Verdict: With an editor score of 9/10, the Chase Ink Business Cash is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Chase Ink Business Cash?▾
The Chase Ink Business Cash has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Chase Ink Business Cash?▾
The Chase Ink Business Cash currently offers a sign-up bonus worth approximately $750. $750 after spending $6,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Chase Ink Business Cash?▾
The Chase Ink Business Cash earns 1% on all purchases, and up to 5% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Chase Ink Business Cash?▾
The Chase Ink Business Cash is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Chase Ink Business Cash charge a foreign transaction fee?▾
Yes, the Chase Ink Business Cash charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Chase Ink Business Cash?▾
The Chase Ink Business Cash has a variable purchase APR of 18.49% – 24.49%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Chase Ink Business Cash best for?▾
The Chase Ink Business Cash is best for Small businesses with high office supply & telecom spend. A key advantage: no annual fee.
Customer Reviews
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1,243 reviews
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