Verdict · Updated April 2026
Chase Ink Business Cash for Small Business Use
The Chase Ink Business Cash is a top choice for small business use — ranked #1 of 15 eligible cards on our use-case scoring model. If small business use is your primary need, this card is a strong primary pick.
Rank #1 of 15100th percentileStrong primary pick
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 — Small Business Use profile
Based on typical small business use spending of $33,600/year across the categories below.
Annual rewards
$384
Annual fee
$0
Net value
$384
Business categoriesHigh limitsEmployee cards freeNo 5/24 impact
Where the Chase Ink Business Cash wins for small business use
- Classified as a business card — does not count toward Chase 5/24
- 5% on core business categories (office supplies, ads, shipping, or internet)
- Free employee cards let you earn on employee spend without extra accounts
Top 3 alternatives for small business use
Cards that rank higher than or close to the Chase Ink Business Cash on our small business use 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 small business use?⌄
The Chase Ink Business Cash is a top choice for small business use — ranked #1 of 15 eligible cards on our use-case scoring model. If small business use is your primary need, this card is a strong primary pick.
How much can I earn with the Chase Ink Business Cash on small business use spending?⌄
At the typical small business use spending profile of $33,600/year, this card earns approximately $384 in rewards — net $384 after the $0 annual fee.
What are better alternatives to the Chase Ink Business Cash for small business use?⌄
Our top 3 alternatives are Chase Ink Business Preferred, Bank of America Business Advantage Cash Rewards, Chase Ink Business Unlimited. Each ranks higher on our use-case scoring model for small business use.
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 small business use spending are pure profit.
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