Best for business
CHASE
Ink Business Cash
Chase Ink Business Cash gives small business owners 5% back at office supply stores and on internet, cable and phone services, plus 2% on gas and dining — no annual fee, huge bonus, 12 months of 0% APR.
Updated July 2026Best for: Small businesses with predictable office-supply and utility spend.
Chase
Ink Business Cash
•••• •••• •••• 2026
Cashback callout
5%
Top cash back rate
Office supplies & internet/phone
$750
Bonus
$0
Annual fee
18.49–24.49% variable
APR
Welcome bonus: After spending $6,000 in first 3 months. Intro: 0% intro APR on purchases for 12 months.
Every category, every rate.
| Category | Rate | Notes |
|---|---|---|
| Office supply stores | 5% | Up to $25k combined cap |
| Internet, cable & phone | 5% | Up to $25k combined cap |
| Gas stations & restaurants | 2% | Up to $25k combined cap |
| All other purchases | 1% | — |
Pros
- +5% on office supplies and telecom
- +Massive $750 welcome bonus
- +No annual fee
Cons
- −5% and 2% bonuses share $25k annual combined cap
- −3% foreign transaction fee
- −Requires business entity to apply
The fine print.
- Annual fee: $0
- Purchase APR: 18.49%–24.49% variable
- Intro APR: 0% on purchases for 12 months
- Foreign transaction fee: 3%
Rates, fees and offer terms shown are illustrative and change frequently. Always confirm current terms on the issuer's site before applying.
The best no-annual-fee business cash back card for offices that keep the lights on and the printer stocked.