The Chase Ink Business Cash is one of my favorite credit cards in the entire Chase ecosystem, and it is not even close!

There’s no annual fee.

You get 5x points on office supply stores and phone, internet, and cable services.

You get the ability to pool those points with your Sapphire or Ink Preferred card and transfer them to airline and hotel partners.

For families running a side hustle or small business, this card is one of the most efficient point-generating machines available.

I personally hold this card (a few of them actually), and it’s a cornerstone of how our family earns points quickly.

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👉Apply for the Chase Ink Business Cash here

👉 Or see all my recommended cards: Best Credit Card Offers Page

Chase Ink Business Cash at a Glance

Annual fee: $0

Rewards currency: Chase Ultimate Rewards points

Best for: Business owners who spend on office supplies, phone services, and internet

Not ideal for: People looking for lounge access or premium travel perks

Foreign transaction fees: Yes, so its not ideal for international purchases

Welcome Offer

The current public welcome offer is $750 when you spend $6,000 on purchases in the first three months after account opening.

That $750 is earned as 75,000 Chase Ultimate Rewards points. On its own at 1 cent per point, that’s $750 in cash back. But if you also hold a Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Sapphire Reserve for Business, or Ink Business Preferred, you can combine those points and transfer them to airline and hotel partners where they can be worth $1,500 or more in travel value.

For a card with no annual fee, that welcome offer is exceptional.

Welcome bonus eligibility — important update:

Chase has added new cross-card restrictions to the Ink Business Cash and Ink Business Unlimited. If you previously had the Ink Business Cash you are not eligible for the welcome bonus on the Ink Business Unlimited, and vice versa. Additionally, if you have ever had any Chase business card without an annual fee, you may not be eligible for the welcome bonus.

This is a significant change that affects how business owners should sequence their Ink card applications. If you are planning to eventually hold both the Ink Cash and the Ink Unlimited, just know that you will likely only get the sign up bonus on one of them.

👉 Apply for the Chase Ink Business Cash here

Annual Fee: Zero

There is no annual fee on the Chase Ink Business Cash card.

This card earns significant rewards, unlocks Chase's transfer partner ecosystem when paired with the right card, and costs nothing to hold year after year. For a long-term points strategy, this is one of the most valuable no-fee cards available anywhere.

How the Chase Ink Business Cash Earns Points

This is where the card truly shines, especially for families running a side business.

5% cash back on the first $25,000 in combined purchases per account anniversary year at:
- Office supply stores
- Internet, cable, and phone services
2% cash back on the first $25,000 in combined purchases per account anniversary year at:
- Gas stations
- Restaurants
1% cash back on all other purchases

Why the 5x categories matter so much for families:

Office supply stores like Staples and Office Depot sell more than paper and pens. Be creative. This is one of the most well-known earning hacks in the points and miles community for earning a bunch of Chase points.

Phone and internet services are expenses almost every household already pays. If your business uses the same phone and internet lines you pay personally, putting those bills on this card earns 5x on recurring expenses you already pay for. A family paying $200 per month on phone and internet earns 12,000 points per year just from those two bills alone, at zero extra cost, and no lifestyle changes required.

For small business owners, this card is especially powerful. Spending on advertising through Google or social media platforms earns points on a business expense you were already paying for. Your phone bill, your internet bill, your software subscriptions purchased through office supply stores, all of it earns at an elevated rate.

👉 Apply for the Chase Ink Business Cash here

Cash Back vs Ultimate Rewards: Why This Card Scales

Like the Freedom Flex and Freedom Unlimited, the Ink Business Cash earns Chase Ultimate Rewards points even though Chase markets it as a cash back card.

On its own, you can redeem those points for cash back at 1 cent per point. That’s fine, but it’s not where the real value is.

If you also hold a Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Sapphire Reserve for Business, or Ink Business Preferred, you can combine all your Chase points, including every point earned on the Ink Cash, and transfer them to airline and hotel partners at a 1:1 ratio.

This means your 5x earning on office supply stores and phone services becomes 5x transferable airline miles. Those miles transferred to Air France Flying Blue, with the 25% child discount on award tickets for children ages 2 to 11, can fund business class or premium economy flights for your whole family.

That transformation from a simple cash back card to a premium travel rewards engine is what makes this card genuinely special.

The Business Card Trio: How This Fits Into Your Chase Strategy

The Ink Business Cash is most powerful as part of a three-card business strategy.

Ink Business Cash
- Earns 5x on office supplies and phone and internet services. Your high-earning specialist.
Ink Business Unlimited
- Earns 1.5x on everything with no categories to track. Your catch-all business card.
Ink Business Preferred
- Unlocks transfer partners for all points earned across both no-fee cards AND earns 3x on travel, advertising, shipping, and phone and internet services.

Together these three cards cover your business spending comprehensively. The Ink Cash handles your highest-earning categories. The Ink Unlimited covers everything else. The Ink Preferred holds the transfer partner key that makes all those points worth significantly more than cash.

For families running a side business or any freelance work, this trio can generate enormous amounts of transferable points from spending you are already doing.

👉 Chase Ink Business Preferred Review

0% Intro APR

The Ink Business Cash offers 0% intro APR on purchases for 12 months from account opening, with a variable APR applying after that period.

For business owners who need to make a larger purchase and want time to pay it off without interest, this can be a genuinely useful feature. Use it intentionally rather than as a long-term financing strategy.

Other Benefits Worth Knowing

Employee Cards

You can add employee cards to your account at no additional cost. Each employee card earns points on their purchases that pool into your main account. For businesses with employees, this can significantly accelerate your points earnings.

Purchase Protection

New purchases are covered against damage or theft for 120 days, up to $10,000 per claim, and $50,000 per account.

Extended Warranty

Extended warranty coverage adds up to one additional year to manufacturer warranties of three years or less.

Instacart+ Membership

The Ink Business Cash includes complimentary Instacart+ membership for 3 months through Instacart. This will auto-renews at the then-current monthly rate. Set a calendar reminder before the 3 months end if you do not want to pay for Instacart+ going forward.

In addition to the complimentary 3 month membership, you also receive $20 in Instacart credits every month when you have this card linked to your Instacart account. This is applied as a credit in the actual Instacart app, not a statement credit. I max this out every month and find this to be a really valuable benefit for a no annual-fee card.

Who the Chase Ink Business Cash Is Best For

This card is an excellent fit for small business owners, side hustlers, freelancers, resellers, content creators, and anyone with legitimate business income who spends on office supplies, phone services, or internet.

You do not need a formal LLC or corporation. Many sole proprietors and side hustlers qualify for business credit cards. If you have any type of side income this card is very likely accessible to you.

For families specifically this card is powerful because it turns recurring household-adjacent expenses, like your phone bill and internet service, into a premium points earning engine with no annual fee.

If you are not sure whether you qualify for a business credit card I explain exactly who qualifies and how to fill out the application here:

👉 How to Get a Business Credit Card (Even If You Do Not Think You Have a Business)

👉Apply for the Chase Ink Business Cash here

Who Should Skip This Card

You may want to look elsewhere if you do not have any business income, if your business spending does not fall into the 5x or 2x categories, or if you are looking for premium travel perks like lounge access. In those cases, the Chase Sapphire Reserve or the Amex Platinum are better fits for personal spending.

👉 Chase Sapphire Reserve Review

👉 Amex Platinum Review

Chase Application Rules to Know

Chase 5/24 Rule

Chase generally does not approve applicants who have opened five or more personal credit cards across all issuers in the past 24 months. This applies to business cards as well. Although most business cards will not add to your 5/24 number, you need to be under 5/24 in order to qualify for a Chase business card. Know your 5/24 status before applying.

👉 What Is Chase's 5/24 Rule? — Full Explanation

Welcome Bonus Eligibility

As noted above, the Ink Business Cash and Ink Business Unlimited now operate under “family rules”. If you have previously held either no-annual-fee Ink card, you may not be eligible for the welcome bonus on either card. If you plan to hold both, be aware that you may only receive the welcome bonus for one of them.

Final Verdict

The Chase Ink Business Cash is one of the best no-annual-fee business credit cards available, and it is genuinely one of my personal favorites.

5x on office supplies and phone and internet services, the ability to pool points with your premium Chase cards and transfer to partners, a strong welcome bonus, and zero annual fee.

For families running any kind of side business this card should be one of the first you consider adding to your wallet.

You can view the current Chase Ink Business Cash offer here.

👉Apply for the Chase Ink Business Cash