Verdict · Updated April 2026
Chase Ink Business Cash for First Credit Card
The Chase Ink Business Cash isn't optimized for first credit card — ranked #32 of 47 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #32 of 4733th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Chase Ink Business Cash
Chase · No annual fee
The 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.
Full card review
Earn math — First Credit Card profile
Based on typical first credit card spending of $9,720/year across the categories below.
Annual rewards
$119
Annual fee
$0
Net value
$119
Easy approvalZero feeSimple rewardsReports to all 3 bureaus
Where the Chase Ink Business Cash wins for first credit card
- Zero annual fee — no fixed cost to worry about
Where it falls short
- Typically requires good credit — may deny thin-file applicants
Top 3 alternatives for first credit card
Cards that rank higher than or close to the Chase Ink Business Cash on our first credit card scoring model.
How the Chase Ink Business Cash performs for other use cases
Frequently asked questions
Is the Chase Ink Business Cash a good card for first credit card?⌄
The Chase Ink Business Cash isn't optimized for first credit card — ranked #32 of 47 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the Chase Ink Business Cash on first credit card spending?⌄
At the typical first credit card spending profile of $9,720/year, this card earns approximately $119 in rewards — net $119 after the $0 annual fee.
What are better alternatives to the Chase Ink Business Cash for first credit card?⌄
Our top 3 alternatives are Chase Freedom Rise, Bank of America Travel Rewards for Students, Discover it Student Cash Back. Each ranks higher on our use-case scoring model for first credit card.
What credit score do I need for the Chase Ink Business Cash?⌄
The Chase Ink Business Cash typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Chase Ink Business Cash's annual fee worth it for this use case?⌄
The Chase Ink Business Cash has no annual fee — there's no breakeven to clear, so any rewards earned on first credit card spending are pure profit.
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