Chase Ink Business Cash vs Discover it Cash Back
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1%
vs
1%
Sign-Up Bonus
$750
vs
$300
Editor Score
9/10
vs
9/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 18.49% – 24.49% | 16.49% – 27.49% |
| Intro APR (Purchases) | 0% · 12 mo | 0% · 15 mo |
| Intro APR (Balance Transfer) | 0% · 12 mo | 0% · 15 mo |
| Foreign Txn Fee | 3%✗ Highest | None★ Lowest |
| Balance Transfer Fee | 5% | 3% |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1%★ Highest | 1% |
| Bonus Categories | 5% Office Supplies · 5% Internet/Cable/Phone · 2% Gas Stations | 5% Rotating Categories (quarterly) |
| Sign-Up Bonus | $750 value★ Highest | $300 value✗ Lowest |
| Eligibility | ||
| Credit Score | Good (670-749) | Fair (580-669) |
| Network | Visa | Discover |
| At a Glance | ||
| Best For | Small businesses with high office supply & telecom spend | Those who enjoy maximizing rotating categories |
| Ratings | ||
| User Rating | 4.6 / 5✗ Lowest | 4.7 / 5★ Highest |
| Editor Score | 9 / 10★ Highest | 9 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Too close to call
The Chase Ink Business Cash (no annual fee) and the Discover it Cash Back (no annual fee) compete on different axes. The Chase Ink Business Cash's strongest category is 5% on Office Supplies, while the Discover it Cash Back leads with 5% on Rotating Categories (quarterly). Both carry no annual fee, so the decision comes down to which rewards structure aligns with your spending — not whether the fee is worth it. Our model scores these cards effectively even (1-2). Pick the Chase Ink Business Cash if you spend heavily on office supplies; pick the Discover it Cash Back if you spend heavily on rotating categories (quarterly).
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Chase Ink Business Cash | Discover it Cash Back |
|---|---|---|
| Annual Fee | no annual fee | no annual fee |
| Base Reward Rate | 1% on everything | 1% on everything |
| Top Bonus Category | 5% on Office Supplies | 5% on Rotating Categories (quarterly) |
| Sign-Up Bonus | $750 after spending $6,000 in 3 months | Cashback Match — Discover matches ALL cash back earned in your first year |
| Foreign Transaction Fee | 3% | 0% (none) |
| Credit Score Required | good | fair |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Chase Ink Business Cash or Discover it Cash Back?
It depends on your spending habits. The Chase Ink Business Cash has no annual fee and earns 1% base rewards. The Discover it Cash Back has no annual fee and earns 1% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Ink Business Cash and Discover it Cash Back?
The Chase Ink Business Cash has no annual fee while the Discover it Cash Back has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Chase Ink Business Cash and Discover it Cash Back?
Yes, since these cards are from different issuers (Chase and Discover), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.