Chase
Chase Ink Business Cash Review
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Small businesses with heavy office-supply and telecom spending who want no annual fee
Updated for 2026
Overview
The Chase Ink Business Cash offers tiered category cash back with no annual fee, targeting businesses that spend on office supplies and telecom services. A 12-month 0% intro APR on purchases helps with early business expenses.
| Annual fee | $0 |
|---|---|
| Regular APR | 16.74%–24.74% variable |
| Welcome bonus | Up to $1,000 cash back after spending $8,000 on purchases in the first 4 months |
| Rewards | 5% cash back at office supply stores and on internet, cable, and phone services (first $25,000 combined per year), 2% at gas stations and restaurants (first $25,000 combined per year), and 1% on all other purchases |
| Recommended credit | Good to Excellent |
Pros & cons
Pros
- No annual fee with a rare 5% category rate
- 12-month 0% intro APR on purchases
- Earns Ultimate Rewards points that can be pooled with a Sapphire card for transfer value
Cons
- The 5% and 2% bonus categories are each capped at $25,000 in combined annual spend
- Subject to Chase 5/24, and applying requires a personal guarantee
Compare with similar cards
Not sure this is the one? Weigh it against other business options.
Chase Ink Business Unlimited
Capital One Spark Cash Plus
American Express Blue Business Cash CardSee how to apply → See all business cards
Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.