Ink Business Cash Credit Card

Chase's entry-level business cashback card. The 5% rate at office supply stores and on internet/cable/phone services is the headline; pair it with a Sapphire or Ink Preferred to convert those points into transferable Ultimate Rewards and the math gets sharper. The $25k spend cap per category keeps it from being a primary card for high-revenue businesses, but for a side hustle or a startup hitting recurring SaaS and shipping spend, it earns its keep at $0 annual fee.

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Annual fee

Free
Welcome offer

$750

after $6,000 in 3 months
Recommended credit

700-810

Median 720. See why →

Earning rates

on Chase Ultimate Rewards

5x

Internet Cable Phone

Cap $25k/yr combined w/ office supplies

Cap $25,000
5x

Internet Cable Phone

Cap $25k/yr combined w/ office supplies

Cap $25,000
5x

Lyft

Through 9/30/2027
5x

Lyft

Through 9/30/2027
5x

Office Supplies

Cap $25k/yr combined with telecom

Cap $25,000
5x

Office Supplies

Cap $25k/yr combined with telecom

Cap $25,000
2x

Dining

Cap $25k/yr combined with gas

Cap $25,000
2x

Dining

Cap $25k/yr combined with gas

Cap $25,000
2x

Gas

Cap $25k/yr combined with dining

Cap $25,000
2x

Gas

Cap $25k/yr combined with dining

Cap $25,000
1x

Everything else

Benefits and credits

Purchase and protection benefits

Extended Warranty Protection
Extended Warranty Protection
Purchase Protection

Up to $10,000 · 120d
Purchase Protection

Up to $10,000 · 120d

Fee waivers

Employee cards at no cost
Employee cards at no cost

Travel and purchase coverage

Baggage delay

$300

Delay threshold 6h
Baggage delay

$300

Delay threshold 6h
Rental car collision damage waiver

$60,000

Primary coverage
Rental car collision damage waiver

$60,000

Primary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 16.74% to 24.74%
Foreign tx: 3.00%
Penalty APR (cap): 29.99%
Balance transfer: 16.74% to 24.74%; Fee $5 or 5.00%, whichever is greater
Cash advance: 28.49%; Fee $15 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Business credit card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports adult AU activity to all three bureaus; does not report minors (under 18).
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of May 22, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.