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Ink Business Cash Credit Card

Updated July 2026 · 4 min read

Quick verdict

The Ink Business Cash is the best no-annual-fee business card for points. Earn 100,000 bonus points after $8,000 spend, 5% at office supply stores and on internet/cable/phone services, and 2% at gas stations and restaurants. Pair with a Sapphire card to unlock transfers to airlines and hotels.

☆☆☆☆☆

★★★★★

Chase - No-Annual-Fee Business Card

The Ink Cash earns 5% on office supply stores -- one of the best business spending rates on any no-fee card. Paired with a Sapphire Preferred or Reserve, those points become transferable to Hyatt, United, and Air France instead of cash back at 1 cent each. The no-annual-fee makes this a permanent addition to any Chase business card stack.

Welcome offer

100,000 Bonus Points

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Annual fee $0

Minimum spend $8,000

Approx. signup value $2,000

Yearly recurring value $0

Apply now →

Rates & fees · Terms apply

Pros & cons

Pros

No annual fee, so holds forever without cost
5% on office supply and telecom is the highest rate on any no-fee business card
100,000-point welcome offer matches the Ink Preferred at no annual fee
Pairs with Sapphire cards to unlock transfers to 14+ airline and hotel partners
0% intro APR on purchases for 12 months
Cell phone protection when paying your bill with the card

Cons

$8,000 spend in 3 months is meaningful for smaller businesses
5% categories capped at $25,000/year -- heavy spenders hit this
2% on gas and restaurants also capped at $25,000/year
1% on all other spending -- not a strong everyday earner outside the bonus categories
Cash back is fixed at 1 cent per point without a Sapphire card to enable transfers

Who this card is for

✓ Good fit

Small business owners who spend heavily on office supplies, internet, cable, or phone services

✓ Good fit

Those who hold a Sapphire Preferred or Reserve and want to convert business cash back to transferable points

✓ Good fit

Business owners building a no-fee companion card to the Ink Preferred

✓ Good fit

Those who need 0% intro APR on business purchases for 12 months

✕ Skip it

Businesses whose spending falls outside office supply and telecom categories

✕ Skip it

Those who want a single all-purpose business card -- the Ink Preferred's 3x covers more categories

✕ Skip it

Owners who will not pair with a Sapphire card and want transfers -- cash back at 1 cent is the only redemption without one

Earning rates

Cash back at office supply stores and on internet, cable, and phone services. Up to $25,000 in combined purchases per year, then 1%.

Cash back at gas stations and restaurants. Up to $25,000 in combined purchases per year, then 1%.

Cash back on all other purchases.

Benefits breakdown

The Ink Cash earns the highest rate available on any no-fee business card for office and telecom spending. Pair with a Sapphire card to convert cash back into transferable Ultimate Rewards points.

5% Office Supply and Telecom

Earn 5% at office supply stores and on internet, cable, and phone services up to $25,000/year.

2% Gas and Restaurants

Earn 2% at gas stations and restaurants up to $25,000/year.

0% Intro APR

0% on purchases for 12 months from account opening.

Perk

Cell Phone Protection

Up to $1,000 per claim and $1,800 per year when paying monthly phone bill with the card. $100 deductible per claim.

Perk

No Annual Fee

No annual fee -- hold this card permanently as part of a Chase business card stack.

Perk

Estimated value $0

After 0 fee

What to look out for

$8,000 Spend Requirement

The welcome offer requires $8,000 in 3 months. Plan largest business purchases around account opening.

Category Caps at $25,000

Both the 5% and 2% categories cap at $25,000 per year. High-volume spenders drop to 1% above those limits.

Transfers Require a Sapphire Card

Without a Sapphire Preferred or Reserve in your account, points redeem only as cash back at 1 cent each.

Our take

The Ink Cash is one of the best no-annual-fee business cards available. The 5% on office supply stores and telecom beats every competing no-fee business card on those specific categories. With a Sapphire card in your wallet, it becomes a transferable points engine at zero ongoing cost. We recommend pairing the Ink Cash, Ink Preferred, and Sapphire Reserve as a business-plus-personal stack for maximum UR earning. See the full strategy in our Ultimate Rewards guide.

The 100,000-point welcome offer at $8,000 spend is one of only a few times the Ink Cash has matched the Ink Preferred's bonus at no annual fee. At 1.5 cents per point through transfer partners (with a Sapphire card), that is $1,500 in potential travel value. This elevated offer may not last long. For the full Chase business card lineup, see our Chase card overview.