ChaseInk Business Cash
$0Small businesses with office-supply and telecom spend
Foreign transaction fee and category caps
Check current offer This link goes to Chase’s site. Dean earns nothing if you apply.Chase Ink Business Cash
Annual fee $0. 5X office supply, internet, cable, and phone up to cap; 2X gas and dining up to cap; 1X other.
See if it fits my walletDean’s short answer
Best fit: Small businesses with office-supply and telecom spend.
Business cash backTransferable-points companion
This card and its closest alternatives
The 3 reviewed business cards that share the most card types and features with the Ink Business Cash.
When a link pays Dean a commission, the card says so right there. Paid or not, the ranking never changes, and no issuer sponsors or endorses Dean. Approval, rates, and terms are controlled by the card issuer.
ChaseInk Business Unlimited
$0Chase Ink Business Unlimited
Same annual fee: $0. Best fit: Businesses wanting simple no-fee earning. Dean’s catalog lists it as: Business cash back, Transferable-points companion.
Read Dean’s reviewU.S. BankTriple Cash Rewards Visa Business
$0U.S. Bank Triple Cash Rewards Visa Business
Same annual fee: $0. Best fit: Businesses with common operating expenses. Dean’s catalog lists it as: Business category cash back, 0% intro APR.
Read Dean’s reviewBank of AmericaBusiness Advantage Customized Cash
$0Bank of America Business Advantage Customized Cash
Same annual fee: $0. Best fit: Businesses with predictable category spend and Bank of America relationship. Dean’s catalog lists it as: Business cash back, Choose-your-category.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| Ink Business CashChase | $0 | 5X office supply, internet, cable, and phone up to cap; 2X gas and dining up to cap; 1X otherEmployee cards; purchase protection; points can combine with eligible premium Chase cards | Small businesses with office-supply and telecom spend | Foreign transaction fee and category caps | Chase Checked 2026-07-22 |
| Ink Business UnlimitedChase | $0 | 1.5X on eligible business purchasesEmployee cards; purchase and extended-warranty protection under guide | Businesses wanting simple no-fee earning | Foreign transaction fee and lower flat rate than some paid cards | Chase Checked 2026-07-22 |
| Triple Cash Rewards Visa BusinessU.S. Bank | $0 | 3% gas and EV, office supply, cell-phone service, and restaurants; 1% otherAnnual software credit under terms; employee cards | Businesses with common operating expenses | Category definitions and foreign transaction fee | U.S. Bank Checked 2026-07-22 |
| Business Advantage Customized CashBank of America | $0 | 3% chosen business category and 2% dining up to combined cap; 1% other; relationship boost possibleEmployee cards and cash-flow tools | Businesses with predictable category spend and Bank of America relationship | Quarterly cap and category selection | Bank of America Checked 2026-07-22 |
What it earns
5X office supply, internet, cable, and phone up to cap; 2X gas and dining up to cap; 1X other.
What comes with it
Employee cards; purchase protection; points can combine with eligible premium Chase cards.
Dean treats these as the reasons to hold the Ink Business Cash. If you would not use them, the card is worth less to you than its marketing says.
- Employee cards
- purchase protection
- points can combine with eligible premium Chase cards
The welcome offer
$750 cash back after $6,000 in purchases in the first 3 months.
Dean read this offer on Chase’s own page on October 24, 2026. A welcome offer is paid once. Judge the card on what it does for you in year 2.
Who can get it
Dean lists the Ink Business Cash for excellent credit. It is a business card. Availability: public national.
A listed credit range is a starting point, not an approval promise. Chase decides approval, your credit limit, and your rate when you apply.
The catch
Foreign transaction fee and category caps.
Annual fee: $0. Dean checked the fee and terms against Chase on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
How a transferable points card works
Bank points can transfer to airline or hotel partners and can also be redeemed through a travel portal. Flexible travel partners, outsized award value, pooling across a card family.
Best for: Travelers willing to learn loyalty programs. Watch for: Poor redemptions, award availability, and transfer risk can erase value.
How a balance transfer card works
Transferred debt receives a temporary low or 0% APR. Can reduce interest while paying down existing card debt.
Best for: Borrowers who can repay within the promotional period. Watch for: Transfer fees, deadlines, excluded same-issuer debt, and post-offer APR matter.
How a business cash back card works
Rewards common business expenses and supports employee cards. Cash rewards, expense separation, employee controls, accounting exports.
Best for: Sole proprietors and small businesses wanting simple rewards. Watch for: Consumer protections can be weaker and issuer eligibility rules differ.
How a business travel card works
Business card with points, airline, hotel, or premium travel benefits. Employee cards, travel protections, lounges, category rewards, large-spend bonuses.
Best for: Businesses with recurring travel or advertising, shipping, and software spend. Watch for: High fees and portal requirements must match real company spend.
Flat rewards: how to value it
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Bonus categories: how to value it
Higher earn rate for named merchant categories.
Conditions to check: Merchant category code, caps, activation, and geographic limits. Verify how the merchant codes, not how it describes itself.
Transfer partners: how to value it
Moves bank points to airline or hotel loyalty programs.
Conditions to check: Transfer ratios, minimums, availability, expiration, and irreversible transfers. Transfer only after confirming an award.
Sources and scope
Check the evidence, then check the live offer.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.