The Ink Business Cash is built for businesses with steady office overhead: 5% cash back at office supply stores and on internet, cable, and phone services, plus 2% at gas stations and restaurants, all with no annual fee. Each of those tiers is capped at $25,000 in combined spend per year before dropping to 1%, so it rewards a modest business best and loses its edge at higher volumes. Chase recently cut the signup bonus from $1,000 to $750, which still requires $6,000 in spend over three months. Twelve months of 0% intro APR on purchases helps if you need to float equipment or startup costs. The real tradeoff is the 1% base rate on everything else and a foreign transaction fee, so pair it with a flat-rate card for uncategorized spending and keep it off international purchases.
Earn rates & credits
| Category | Rate |
|---|---|
Office Supply Stores Office supply stores; combined $25,000/year cap with internet/cable and phone services; 1% thereafter on first $25,000/yr, then 1% | 5% |
TV, Internet & Streaming Services Internet and cable services; combined $25,000/year cap with office supplies and phone services; 1% thereafter on first $25,000/yr, then 1% | 5% |
Phone Services Phone services; combined $25,000/year cap with office supplies and internet/cable services; 1% thereafter on first $25,000/yr, then 1% | 5% |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5% |
Gas Gas stations and restaurants (combined cap with dining) on first $25,000/yr, then 1% | 2% |
Dining Gas stations and restaurants (combined cap with gas) on first $25,000/yr, then 1% | 2% |
Everything Else | 1% |
Card details
Regular APR | 16.74%–24.74% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Ink Business CashBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.