Chase Ink Cash Business Credit Card

Card Details
Rewards	5% cash back on up to $25,000 a year on combined purchases at office supply stores and on internet, cable, and phone services. 2% cash back on up to $25,000 a year on combined purchases at gas stations and restaurants. 1% cash back on all other purchases.
Signup Bonus	Earn a $750 bonus (75,000 Ultimate Rewards points) after spending $6,000 on purchases in the first 3 months from account opening
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	Approximately ~28.74%–29.99% variable on cash advances, and interest begins accruing immediately
Cash Advance Fee	Either $15 or 5% of the amount of each cash advance transaction, whichever is greater.
Late Payment Fee	Up to about $40 if your minimum payment is received after the due date
Purchases APR	After the 0% introductory APR for 12 months on purchases, the regular variable APR is about 16.99%–24.99% (varies by creditworthiness).
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Chase Ink Cash Business Credit Card stands out for its tiered cash-back rewards on common business expenses like office supplies, internet, phone services, gas, and dining — all with no annual fee. Most users say they love the 5% and 2% cash-back categories, which can add up quickly for small businesses, and many reviewers mentioned that the $750 signup bonus after spending $6,000 in three months makes it an easy way to get extra value right away. Cardholders also praise the integration with Chase Ultimate Rewards, which makes redeeming points flexible and straightforward.

On the downside, some users point out that the cash-back categories have yearly limits ($25,000), and others mention that the APR is relatively high if you carry a balance. A few small-business owners noted that the card’s rewards are best suited to specific spending patterns, so those outside the listed categories might earn less.

Personally, I think this card is ideal for small-business owners or freelancers who can leverage the bonus categories and pay off balances monthly. It’s a smart, no-fee card for everyday business spending, but those looking for broad flat-rate cash back or travel perks might want to explore other business cards.