Chase Ink Business Cash
Chase · Business review
Small businesses with real office-supply and telecom spend
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
17.49% – 25.49% variable
Variable — verify the current range at the issuer
Intro APR
0% on purchases for 12 months
Then the ongoing APR applies
As of July 8, 2026
Best for
Small businesses with real office-supply and telecom spend. The 5% back at office supply stores and on internet, cable, and phone services (first $25,000 combined per year) is the best $0-fee business earn rate for that spend profile — and the points are Ultimate Rewards when paired with a premium Chase card.
Not for
Businesses whose spend doesn't concentrate in the 5%/2% categories (a flat-rate business card returns more on general spend), and owners who want a card that builds personal credit — Chase business cards generally don't report positive activity to personal bureaus.
The catch
The headline 5% is capped at the first $25,000 in combined 5%-plus-2% category spend each year, then drops to 1%. The card earns 'cash back' that is really Ultimate Rewards points — worth 1 cpp as cash, but 1.5+ cpp only if you also hold a Sapphire Preferred/Reserve or Ink Preferred to transfer through.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% on purchases for 12 months
- Ongoing APR
- 17.49% – 25.49% variable
- Foreign transaction fee
- 3%
- Late payment fee
- Up to $40
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Chase Ink Business Cash charge an annual fee?
No. The Chase Ink Business Cash carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Chase Ink Business Cash charge?
17.49% – 25.49% variable. There is also an intro rate: 0% on purchases for 12 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Chase Ink Business Cash charge foreign transaction fees?
Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the Chase Ink Business Cash best for?
Small businesses with real office-supply and telecom spend. The 5% back at office supply stores and on internet, cable, and phone services (first $25,000 combined per year) is the best $0-fee business earn rate for that spend profile — and the points are Ultimate Rewards when paired with a premium Chase card.
Who should skip the Chase Ink Business Cash?
Businesses whose spend doesn't concentrate in the 5%/2% categories (a flat-rate business card returns more on general spend), and owners who want a card that builds personal credit — Chase business cards generally don't report positive activity to personal bureaus.
How did ClearValue score the Chase Ink Business Cash?
Chase Ink Business Cash scored 85/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Chase Ink Business Cash
Other business cards we've scored, ranked by our methodology.
- ChaseSolid pick
Chase Ink Business Preferred
83/100Annual fee$95Ongoing APR20.74–26.74%Foreign txn feeNoneBest forSmall business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) —
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One Spark Cash Plus
80/100Annual fee$150Ongoing APRVariable*Foreign txn feeNoneBest forEstablished businesses spending $50,000+/yr who want flat 2% on everything with no rotating-category tracking and an ann
Fees sourced from issuer terms · 2026-06-29
- American ExpressWorth considering
American Express Business Gold
75/100Annual fee$375Ongoing APR20.74–28.74%Foreign txn feeNoneBest forService businesses with concentrated spend in two clear top categories (Amex picks your 2 highest categories each month
Fees sourced from issuer terms · 2026-06-29
