The Ink Business Cash pays 5% back at office supply stores and on internet, cable, and phone services, plus 2% at gas stations and restaurants, all with no annual fee. For a small business with steady spending on those bills, that is a strong return, along with 12 months of 0% intro APR on purchases. The catch is the caps: the 5% categories share a $25,000 annual limit, the 2% categories share their own $25,000 limit, and everything else earns just 1%. Chase also recently trimmed the signup bonus from $1,000 to $750, which now takes $6,000 in spending in the first 3 months. Add the foreign transaction fee, and this is a card for domestic operating expenses in its bonus categories, not a catchall.
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.