Ink Business Cash®: High Cashback on Business Categories with No Annual Fee
Earn 5% cashback at office supply stores and on internet, cable, and phone services, plus 2% cashback at gas stations and restaurants, with no annual fee and employee cards at no additional cost.
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BIG4CREDIT RANKING
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
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The Chase Ink Business Cash® card is one of the best no-annual-fee business cashback cards for small businesses with significant spending on office supplies, internet, cable, phone services, gas stations, and restaurants. Its high bonus cashback categories can deliver exceptional value for businesses that naturally spend in those areas. The card also offers useful business-friendly features such as employee cards, purchase protections, extended warranty coverage, and integration with the Chase Ultimate Rewards ecosystem. When paired with certain premium Chase cards, cashback rewards can potentially be converted into more valuable travel rewards. The downside is that the highest rewards are capped annually and concentrated in specific categories, so businesses with broader general spending may benefit more from a flat-rate business card. The card also lacks premium travel perks and advanced business travel benefits. Overall, this card works best for small businesses seeking high cashback rates in common business spending categories while avoiding an annual fee.
Ink Business Cash®
Apply now
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
16.74% - 24.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on up to $25,000 in combined annual purchases at office supply stores and on internet, cable, and phone services, plus 5% on Lyft rides through 9/30/27. Earn 2% cashback on up to $25,000 in combined annual purchases at gas stations and restaurants, and 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $750 bonus after spending $6,000 in the first three months.
$750
Welcome Offer
- Earn a $750 bonus after spending $6,000 in the first three months.
Rewards
- 5% Cashback Categories (for the first $25,000 spent in combined purchases per year):
- Office Supply Stores
- Internet, Cable and Phone services
- 5% Cashback on Lyft Rides through September 30, 2027.
- 2% Cashback Categories (for the first $25,000 in combined purchases per year):
- Gas Stations
- Restaurants
- 1% Cashback on all other purchases.
Redemption Options
- Redeem rewards for cash, gift cards, travel, and more through Chase Ultimate Rewards®.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- Regular APR: After the introductory period, a variable APR of 16.74% - 24.74% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per year.
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Business Tools & Controls
- Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.
- Build Business Credit: Establish your business credit history with responsible use of your business credit card, helping support future access to financing.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Additional Features
- Credit Line Increases: Be considered for a credit line increase every 6 months or sooner.
Terms and Conditions
- Click Apply Now to see the terms and conditions.