When it comes to business credit cards, you might have no idea where to start. The truth is, it really depends on how you want to save: Cash back vs. travel rewards, earning on flights vs. everyday purchases, paying an annual fee or not paying one…

Luckily, there’s one great card that can do a lot of heavy lifting: the Ink Business Cash® Credit Card (see rates and fees). It’s got a great welcome bonus, strong cash back rates in everyday categories, and a long intro APR offer — all for no annual fee.

Here’s what to know about the Chase Ink Business Cash and whether it’s right for you.

Chase Ink Business Cash: Save on bills, everyday expenses, and more

The Ink Business Cash® Credit Card is a great fit if you want to save on everyday expenses like bills, office supplies and more. It’s not built for jetsetting CEOs — it just rewards the kinds of purchases most businesses actually make.

For no annual fee, you’ll get get:

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • 5% cash back on Lyft rides through 9/30/27
  • 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year (then 1%)
  • 1% cash back on all other purchases

Those are some of the strongest no-annual-fee earning rates you’ll find, particularly if you spend a lot on bills and at the nearest Staples.

You’ll also get $750 in bonus cash back after spending $6,000 in the first 3 months, plus a 0% Intro APR on Purchases for 12 months. (A regular ongoing 16.74% – 24.74% Variable APR will apply at the end of the intro period.)

Why the Chase Ink Business Cash stands out

To me, the biggest draw here is definitely the 5% earning category. If you’re like most businesses, you probably spend a good bit on internet, cable, phone services, and office supplies. Racking up 5% back in those categories can add up fast.

On the downside, you do have the spending caps to keep in mind — after $25,000 spent in each of the bonus categories, you’ll revert to earning 1%. Still, if you max out the 5% category, for example, you’re looking at a whopping $1,250 in cash back.

And then there’s the welcome bonus — again, pretty competitive for a no-annual-fee business card. It’s a strong return on your first few months of spending, and an easy way to start saving with your new card.

Ready to get up to 5% cash back and a huge welcome bonus? Click here to read our full review and apply for the Ink Business Cash® Credit Card today.

Which Ink Business card is right for you?

The Chase Ink Business Cash isn’t the only top business card from Chase. Here are two other great options:

Chase Ink Business Cash

The Chase Ink Business Cash (see rates and fees) is the simplest of the Ink cards, earning a flat 1.5% cash back on every purchase, with no categories to track and no annual fee.

That makes it a good fit if you want steady rewards without thinking about where you’re spending. It’s also useful for businesses with a wide range of expenses that don’t easily fall into a bonus category.

Like the Chase Ink Business Cash, the Chase Ink Business Unlimited also offers a generous welcome bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card (see rates and fees) is built more for travel and higher-end rewards. It charges a $95 annual fee, but you’ll earn 3X points per $1 on the first $150,000 spent in combined purchases on:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services
  • Advertising purchases made with social media sites and search engines

You’ll earn 1X point per $1 after the first $150,000 spent per year and on all other purchases. But if you max out that 3X category, you’ve still got $4,500+ in travel or cash back rewards.

Besides the higher rewards potential, you’ll also get a higher welcome offer with this card: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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