The Ink Business Cash Credit Card is built for small business owners who want to earn strong rewards on core operating expenses without paying an annual fee. It is especially effective for businesses with recurring costs in office supplies, internet, phone, and cable services.
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Overview
Office supply and telecom spend
Primary business car rental coverage
No-annual-fee earnings
With no annual fee and a 5% cash back rate on up to $25,000 spent annually across office supply stores and telecom services, this card delivers strong return on basic business maintenance costs. The 2% cash back tier on gas stations and restaurants adds extra utility for local travel and business meals. Because the rewards are issued as Chase Ultimate Rewards points, owners who also hold a premium Chase travel card can transfer their earnings to travel partners for elevated value.
This card is a standout option for small businesses spending heavily on office supplies and monthly utility bills, though international travelers should look elsewhere due to foreign transaction fees.
Welcome Offer
when you spend $6,000 on purchases in the first 3 months after account opening
Est. Value
$750
Required Spend
$6,000
Time Frame
3 Months
Est. Value
$750
Required Spend
$6,000
Time Frame
3 Months
Earning
Earning centers on key operational categories like office supply stores, phone services, and internet bills, alongside modest rewards on everyday travel expenses like gas and dining.
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 1.5¢ per Ultimate Rewards point
Annual Credits & Perks
Despite carrying no annual fee, the card provides valuable business safeguards, including primary rental car coverage for commercial trips and solid purchase protections.
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.
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 $3,000
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
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
