Is the Chase Ink Business Cash® Worth Your Wallet?

The Quick Version

The Chase Ink Business Cash® Credit Card offers impressive rewards with 5% cash back on office supplies and internet services, but only if you utilize these categories. The no annual fee makes it an attractive option, though the APR ranges from 18.49% to 24.49% variable could be a dealbreaker for some. With a generous $750 sign-up bonus after spending $6,000 in the first three months, it's a strong contender for business spending. However, beware of the high regular APR if you tend to carry a balance.

The Fine Print

The Chase Ink Business Cash® Credit Card comes with a variable APR of 18.49%-24.49%. There's no annual fee, making it accessible for small business owners. You'll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Plus, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants. Foreign transaction fees are 3%, so it's not ideal for international travel.

What's Actually Good

• ✅ No annual fee makes it accessible for businesses of all sizes.
• ✅ 5% cash back in key business categories like office supplies.
• ✅ Generous $750 sign-up bonus after a $6,000 spend in the first 3 months.

The card shines in offering robust cash back rewards in common business categories, which can lead to significant savings.

The Catch

• ❌ High regular APR of up to 24.49% for those carrying a balance.
• ❌ 3% foreign transaction fee, making it less appealing for international business travelers.
• ❌ The 5% cash back is capped at $25,000 annually for specific categories.

While the rewards are tempting, the potential for high interest rates and capped earnings could limit its appeal.

Who Should Apply

This card is best for business owners with good to excellent credit (670+) who spend heavily in office-related categories. If your business doesn't travel internationally frequently, the foreign transaction fees won't be a concern. It's ideal for those who pay off their balance monthly to avoid high interest charges.

The Bottom Line

If your business expenses align with the card's high-reward categories, the Chase Ink Business Cash® is a no-brainer. But carry a balance or travel abroad often? You might want to look elsewhere. For more insights, check out our Top Credit Cards for 2026: Rewards and Benefits Unveiled.