Ink Business Cash®
The no-fee business card that pays 5% on the bills you’re already paying — office supplies, internet, and phone.
Ink Business Cash® Card
Earn $750 bonus cash back after you spend $6,000 on purchases in your first 3 months from account opening.
Learn More → Terms apply. See the issuer’s site for rates, fees, and full offer details.Where it earns
Cash back that’s really points. Chase pays the Ink Cash’s rewards as Ultimate Rewards points, not literal cash — which is exactly what makes them flexible. It rewards your office and telecom spend richly but earns just 1% elsewhere, so run the rest through an Ink Unlimited, then pool everything in a Sapphire or Ink Preferred to unlock transferable points for partners like Hyatt and Southwest.
Ink Business Unlimited® Chase Ink Business Preferred® Chase Sapphire Preferred®
The category specialist — great in its lane, weak outside it
The Ink Cash is the category card of the no-fee Chase business lineup. 5% back on internet, phone, cable, and office supplies is genuinely excellent — most businesses spend there every month whether they think about it or not.
The honest limits: that 5% is capped at $25,000 a year combined, and everything outside the bonus categories earns a weak 1%. So it’s not a one-card solution. Run your telecom and office spend through it, run everything else through an Ink Unlimited, then combine the rewards into a Sapphire or Ink Preferred to turn them into transferable points for Hyatt or Southwest.
My view: for a Hawaii business owner with regular internet, phone, or supply spend, this is close to free money at a $0 fee. Just respect the cap and the categories — and remember the bonus isn’t available if you’ve held this or another no-fee Chase business card before.
What you get
No Annual Fee
Earn unlimited cash back on every purchase without paying a yearly fee to keep the card.
0% Intro APR
0% intro APR for 12 months on purchases from account opening, then a variable APR applies.
Free Employee Cards
Add employee cards at no additional cost and earn cash back on their spending, with custom limits.
Combine With Chase Points
Cash back is earned as Ultimate Rewards points you can combine with your other personal and business Chase cards.
Flexible Redemption
Redeem for cash back, gift cards, or travel booked through Chase Ultimate Rewards®.
Zero Liability
You won’t be held responsible for unauthorized charges made with your card or account info.
The new cardmember bonus may not be available if you have ever had this card or another Chase business card with no annual fee; Chase may also weigh factors about your business, and its 5/24 guideline applies. Credit score ranges are estimates only and approval is not guaranteed.