Ink Business Cash®
Chase's bonus-category counterpart to the Ink Unlimited: higher rates on office supplies and utilities, common recurring costs for small offices, up to a combined-category cap before dropping to 1%.
Ink Business Cash® at a glance
Issued by Chase. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–24%
- Intro APR
- 0% on purchases for 12 months
- Foreign transaction fee
- 3%
Rewards
5% cash back on office supply stores & internet/cable/phone (first $25k/yr), 2% at gas stations & restaurants (first $25k/yr), 1% elsewhere
Intro offer
Bonus cash back after meeting a minimum spend in the first 3 months
Ink Business Cash®'s annual fee vs. the cheapest and priciest cards on the marketplace
Ink Business Cash® vs. similar Cash back
| Criterion | Ink Business Cash® | Ink Business Unlimited® | Blue Business Cash™ |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–24% | Variable, ~18–24% | Variable, ~18–26% |
| Foreign transaction fee | 3% | 3% | 2.7% |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Ink Business Cash® charges a 3% foreign transaction fee. On recurring international vendor or contractor payments, that adds up faster than the rewards rate offsets it — if that's a regular expense for your business, weigh a card with no foreign transaction fee even if its rewards rate is lower.
Pros
- +No annual fee
- +5% and 2% categories cover common recurring business costs
- +Combinable with other Chase Ink/Sapphire points
Cons
- −Bonus categories cap at $25,000/yr combined spend
- −1% base rate outside bonus categories is unremarkable
Ink Business Cash® has no annual fee, requires good/excellent credit, and offers 0% on purchases for 12 months as an intro APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Office-heavy spend patterns that want bonus categories instead of a flat rate
We don't have a partnership with Chase — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.