Built for small business owners with steady phone, internet, cable, and office supply bills, the Ink Business Cash® Credit Card is strongest as a no-annual-fee business rewards card for common operating expenses. It is less of an all-purpose spending card and more of a high-return specialist that can quietly do a lot of work in the right setup.
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Phone and internet bills
Office supply purchases
Gas and restaurant spending
Yes, for the right business this card is easy to justify because there is no annual fee and the bonus categories line up with expenses many small businesses already have every month. If you spend heavily on internet, phone, cable, or office supply stores, the 5% category alone can make this a very productive card. The 2% back at gas stations and restaurants adds useful secondary value, especially for businesses with local driving or client meals.
Where it becomes a weaker fit is everyday spending outside those categories. The base return is only 1%, and the card charges foreign transaction fees, so it is not a strong choice for general purchases or international use. It makes the most sense as a category card in a broader wallet, especially for business owners who can also combine Chase Ultimate Rewards points with a premium Chase card for more flexibility.
The Ink Business Cash® Credit Card is a strong fit for small businesses with recurring telecom and office supply expenses that want high rewards without paying an annual fee. Its main limitation is simple: outside its bonus categories, it is better as a support card than as your primary spending card.
Welcome Offer
when you spend $8,000 on purchases in the first four months after account opening
Est. Value
$750
Required Spend
$8,000
Time Frame
4 Months
Est. Value
$750
Required Spend
$8,000
Time Frame
4 Months
Earning
This card earns cash back, but because it is part of the Chase Ultimate Rewards ecosystem, the value can be more interesting than a standard cash-back card if you also hold the right Chase card. In practice, the key is whether your business spends enough in the 5% and 2% categories to make this a regular card for bills and targeted purchases.
Office Supply Stores, Internet Services, Cable Services, Phone Services
Up to $25,000 spend per year
Gas Stations, Restaurants
Up to $25,000 spend per year
All Other Card Purchases
Rewards percent based on a valuation of 1.25¢ per Ultimate Rewards point
Annual Credits & Perks
The benefits here are more practical than flashy. You are getting a useful set of business-friendly protections, plus a few delivery and shopping credits that can add real value if you already use those services.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Up to $240 in Instacart CreditsBenefits
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Auto Rental Coverage
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Extended Warranty Protection
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Benefits
Complimentary Instacart+ Membership
Get three months of $0 delivery fees on groceries and more with a complimentary Instacart+ membership through 12/31/27.
Complimentary DashPass Membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
16.74% - 24.74%
Variable
Transfer APR
16.74% - 24.74%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$15
Late Payment
None
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,250
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
