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Chase Ink Business Cash Credit Card Review: 5X Bonus Categories with No Annual Fee

Earn up to 5X on internet, phone, and office-related purchases—all without an annual fee. Pair with other Chase cards to boost travel redemptions through Chase Travel℠ and transfer partners.

Written by: Sebastian FungLast updated: June 19, 2025
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The Ink Business Cash® Credit Card is the ideal card for small businesses that want a no annual fee card that earns points on gas, dining, internet, phone, and cable expenses. 

card art for the Ink Business Cash® Credit Card cardInk Business Cash® Credit Card
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Annual fee: $0

Sebby's take: Ideal for people with high spend at office supply stores or on internet, cable and phone services. Given the flexibility of Ultimate Reward (UR) points, this is one of the best earners cards.

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Key features

  • Spending Multipliers:
  • Earn 5X points on internet, cable, and phone services*
  • Earn 2X points on gas stations and restaurants*
  • Earn 1X points on all other purchases

           *on up to $25,000 in combined category purchases each cardmember year

  • Foreign transaction fees: 3%
  • Primary collision damage waiver (CDW) when renting for business purposes

Review: Is the Chase Ink Business Cash® Credit Card Worth It?

The Chase Ink Business Cash® Credit Card is ideal for small business that has up to $25,000 in select category spend. Earn 5X on up to $25,000 each cardmember year in combined purchases on internet, cable, and phone services. Earn 2X on up to $25,000 each cardmember year in combined purchases on gas and dining.

The Chase Ink Business Cash® Credit Card complements the premium travel cards like the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card, or the Chase Sapphire Reserve® because you can pool Ultimate Rewards together and redeem points at a better value with Chase Travel℠ and transfer partners.

Travel confidently with built-in travel protections when you book trips with the Chase Ink Business Cash® Credit Card. Below are a handful of travel benefits:

  • Primary auto rental collision damage waiver (CDW) when renting for business purposes
  • Travel and emergency assistance services
  • Roadside dispatch

Chase Ink Preferred vs. Chase Ink Cash vs. Chase Ink Unlimited

The Chase Ink Business Cash® Credit Card is perfect for small or new businesses because it doesn't have an annual fee, and you have spending multipliers for select categories. Depending on the your expenses, pick the Chase Ink card that fits your business.

Ink Business Preferred® Credit Card

  • Earn 3X points on up to $150,000 in combined purchases:
  • Travel
  • Shipping expenses
  • Internet, cable, and phone services
  • Social media and search engines ads

Ink Business Cash® Credit Card

  • Earn 5X points on up to $25,000 in combined purchases:
  • Internet, cable, and phone services
  • Earn 2X points on up to $25,000 in combined purchases:
  • U.S. gas stations
  • Restaurants

Ink Business Unlimited® Credit Card

  • Earn unlimited 1.5X points on all purchases

💳 Featured Card Offers

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Ink Business Cash® Credit CardView Offer