A no-annual-fee business card for eligible office and communications spending.
For readers comparing U.S. credit card costs and rewardsReferral disclosure · This product links to its official information page, separately from our Tesla and personal Sapphire referrals. Read the full disclosure
Previously reviewed official terms were compared with an attributed user report. Anecdotes are not our own experience or a promise of approval or benefits.
Compare the key conditions
| Topic | What to check |
|---|---|
| Where it fits | Consider this card if your business has recurring office-supply-store, internet, cable or phone purchases. The reviewed structure offers 5% on a combined $25,000 per account anniversary year in those categories, 2% on a separate combined $25,000 at gas stations and restaurants, and 1% otherwise. |
| Keep the limits separate | The two $25,000 caps apply to different groups and reset by account anniversary, not necessarily January 1. Merchant classification and exclusions matter. |
| Check bonus history | Past ownership of this or another no-annual-fee Chase business card can affect the bonus under the reviewed terms. An illustrative $6,000 of eligible 5% purchases earns $300 before fees or interest. |
Read the full conditions and original review date. A summary does not establish eligibility or guarantee benefits.
Where it fits
Consider this card if your business has recurring office-supply-store, internet, cable or phone purchases. The reviewed structure offers 5% on a combined $25,000 per account anniversary year in those categories, 2% on a separate combined $25,000 at gas stations and restaurants, and 1% otherwise.
What a real user report changes
One owner opened Ink Cash for office-store rewards but found they rarely made it to the store. A high rate is useful only on purchases you actually make.
Total three months of internet, phone and office-store purchases. If considering gift cards, include fees and verify merchant coding and terms instead of assuming every purchase earns 5%.
Keep the limits separate
The two $25,000 caps apply to different groups and reset by account anniversary, not necessarily January 1. Merchant classification and exclusions matter.
Check bonus history
Past ownership of this or another no-annual-fee Chase business card can affect the bonus under the reviewed terms. An illustrative $6,000 of eligible 5% purchases earns $300 before fees or interest.
Practical example: apply the terms to your spending
Past ownership of this or another no-annual-fee Chase business card can affect the bonus under the reviewed terms. An illustrative $6,000 of eligible 5% purchases earns $300 before fees or interest.
Frequently asked questions
Who should consider this business card?
A no-annual-fee business card for eligible office and communications spending.
What should I check before applying?
Review business eligibility, personal guarantee, fees and the exact welcome-bonus conditions. Our personal Sapphire referral does not apply to business cards.
Sources and update history
Sources checked:
Official source 1 · creditcards.chase.com (opens in a new tab)Official source 2 · www.chase.com (opens in a new tab)Official source 3 · www.chase.com (opens in a new tab)User report or discussion (opens in a new tab)· Added an attributed user report and practical checks against official terms.
Check the final terms when applying or ordering. Corrections policy
Ink Business Cash: review the current terms
Review benefits and application terms on the official product page below.
View official terms (opens in a new tab)Approval, purchases and rewards are subject to the provider’s eligibility rules and terms.