Chase
Chase Ink Business Cash Review
Small businesses with heavy office-supply and telecom spending who want no annual fee
Updated for 2026
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See how to apply →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 |
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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
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.