Chase Ink Business Cash: 5% Categories for Small Business
The Chase Ink Business Cashâ„ Credit Card offers exceptional 5% cash back on rotating business categories, making it ideal for small businesses that can maximize quarterly spending in office supplies, internet/cable/phone, and gas stations.
Why It Stands Out:
- 5% cash back on quarterly rotating business categories
- $750 bonus after $6,000 spend in 3 months
- No annual fee with generous earning caps
- $25,000 annual limit per category for 5% earning
- Ultimate Rewards integration with transfer partners
Perfect for small businesses with predictable spending in rotating business categories and those wanting premium earning without annual fees.
Current Rates, Fees, and Bonus Details
The Ink Business Cash combines premium earning rates with no annual fee, making it an exceptional value for small businesses.
Complete Fee Structure
| Fee Type | Amount | Details |
|---|---|---|
| Annual Fee | $0 | No annual fee ever |
| Foreign Transaction | $0 | None worldwide |
| Balance Transfer | 5% or $5 minimum | 0% intro APR for 12 months |
| Cash Advance | 5% or $10 minimum | 29.99% Variable APR |
| Late Payment | Up to $40 | Cannot exceed minimum payment |
| Additional Employee Cards | $0 | No additional cost |
Welcome Bonus
The Ink Business Cash offers an excellent welcome bonus for a no-annual-fee business card:
Current Offer
- $750 bonus after you spend $6,000 on purchases in the first 3 months
- 0% intro APR on purchases for 12 months
- Total value: $750 in bonus plus financing benefits
This bonus provides outstanding value and is among the highest available for no-annual-fee business cards.
Final Verdict
The Chase Ink Business Cash delivers exceptional value for small businesses that can maximize its 5% rotating categories.
With 5% cash back on business categories, a $750 welcome bonus, and no annual fee, this card provides premium earning potential typically found on fee-based cards. The Ultimate Rewards integration adds significant flexibility for businesses in Chase's ecosystem.
The key is maximizing the quarterly categories - businesses that consistently spend in office supplies, internet/cable/phone, and gas stations will find tremendous value. Those with unpredictable spending might prefer the Ink Business Unlimited's simpler structure.
Bottom line: Outstanding choice for small businesses that can maximize quarterly 5% categories, offering premium earning with no annual fee.