Chase Ink Business Cash
Chase, Visa, no annual fee. Earns Chase Ultimate Rewards, valued at 2.00¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: not recorded here.
The short version
- Best at: office supplies (#1, $10.00 per $100); phone and internet bills (#1, $10.00 per $100).
- A year's rewards: about $376, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $376 a year on the illustrative household's spending, which puts it number 44 of 59 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Office & Shipping, Phone & Internet | 5x | Up to $25,000 per year, then the base rate. Office supply stores and internet, cable and phone — the first $25,000 each account year |
| Gas Stations, Restaurants & Bars | 2x | Up to $25,000 per year, then the base rate. Gas stations and restaurants — the first $25,000 a year |
| Everything else | 1x |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #1 of 117 for office supplies — $10.00 per $100
- #1 of 117 for phone and internet bills — $10.00 per $100
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $72 |
| Phone & Internet | $72 |
| Groceries | $60 |
| Everything Else | $60 |
| Gas Stations | $36 |
| Online Shopping | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Points combine with an Ink Business Preferred or a Sapphire card to unlock transfer partners
Similar cards
- American Express Amex EveryDay — annual fee none
- Wells Fargo Autograph — annual fee none
- Bilt Blue Card — annual fee none
- Bilt Mastercard — annual fee none
- Every travel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.