The Chase Ink Business Cash has no annual fee and earns 5% at office supply stores and on internet, cable, and phone services on the first $25,000 combined each account anniversary year, 2% at gas stations and restaurants on a separate $25,000, and 1% on everything else. Its cash back is Ultimate Rewards that can transfer to travel partners if you also hold a Sapphire or Ink premium card. Figures checked at Chase on October 5, 2026. Confirm the current welcome offer at Chase.
What the Ink Business Cash earns
| Category | Rate |
|---|---|
| Annual fee | $0 |
| Office supply, internet, cable, phone | 5% on the first $25,000 combined per account anniversary year |
| Gas stations and restaurants | 2% on the first $25,000 combined per account anniversary year |
| Everything else | 1% |
| Rewards | Ultimate Rewards, transferable when paired with a premium Chase card |
The perks and details
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The Ink Business Cash is strong for small businesses with recurring office and telecom bills, since those hit the 5% category. It includes travel and purchase coverage, adds employee cards at no additional cost, and pays 5% total on Lyft rides through September 30, 2027. Chase does not publish a 5/24 rule; applicants report that Ink approvals still require being under 5/24, and that the Ink card itself does not add to the count because it does not appear on personal credit reports. Confirm current benefits at Chase.
The fee math
The fee math is simple: there is no annual fee, so every dollar of cash back is profit. Maxing the 5% category on the first $25,000 returns $1,250 a year, and the 2% category adds up to $500 more. The real upside comes if you pair it with a Sapphire or Ink premium card and move the rewards to travel partners. Confirm current terms and any welcome offer at Chase.
See the Chase rules
Check your 5/24 status before you apply for another Ink card.
Who it fits and who it does not
It fits a business that spends on office supplies, internet, or phone service and wants no annual fee. It fits less if your spending is spread across general categories, where a flat 2% card earns more, or if you have no premium Chase card to move points to transfer partners. Confirm current terms at Chase.
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FAQ
Does the Ink Business Cash have an annual fee?
No, the Chase Ink Business Cash has no annual fee. Confirm current terms and any welcome offer at Chase.
What are the Ink Business Cash 5% categories?
5% back at office supply stores and on internet, cable, and phone services, on the first $25,000 combined each account anniversary year. Confirm current categories at Chase.
Can Ink Business Cash rewards transfer to travel partners?
Yes, if you also hold a Chase Sapphire or Ink premium card, its Ultimate Rewards can transfer to airline and hotel partners. Confirm current rules at Chase.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
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