Business card · Chase · Cash back · Visa
Chase Ink Business Cash: what it's really worth
The Chase Ink Business Cash has a no annual fee. For a typical household spending $2,070 a month, it's worth about $1,072 in year one and $322 each year after.
Chase ran a $1,000 offer until September 2026. You can earn the bonus on Ink Business Cash or Ink Business Unlimited, but not both.
Calculate it with your own spendingIs the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 2% | 2.0¢ | $72 |
| Groceries | 1% | 1.0¢ | $60 |
| Hotels | 1% | 1.0¢ | $10 |
| Flights | 1% | 1.0¢ | $12 |
| Gas | 2% | 2.0¢ | $36 |
| Streaming | 5% | 5.0¢ | $24 |
| Everything else | 1% | 1.0¢ | $108 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 5% on the first $25K a year at office supply stores and on internet, cable and phone (streaming counted here); 2% on the first $25K a year at gas stations and restaurants.
Credits and perks
- Purchase protection
- Foreign transaction fee: 3%
Who it's for
- Businesses with phone, internet or office-supply bills
- Pairing with Ink Preferred or a Sapphire card
- Not ideal: Spending abroad (3% foreign fee)
Can I get it?
- Recommended credit: Good
- Business card: you apply as a business owner. Freelancers and sole proprietors can usually apply with their own name and Social Security number.
- Chase rules: 5/24: usually denied if you've opened 5+ personal cards (any bank) in the last 24 months. The bonus may be unavailable if you've had this card before.
- Visa: Accepted almost everywhere, including Costco warehouses (Visa only).
Check the current offer at Chase
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Updated Nov 4, 2026.