Chase

Chase Ink Business Cash

4.6

Chase Ink Business Cash offers 5% cash back on rotating bonus categories (internet, cables, gas, phone), 2% on dining and travel, and 1% elsewhere. At no annual fee, it's ideal for small business owners wanting category rewards.

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The Bottom Line

Chase Ink Business Cash is the best no-fee business card for category-focused rewards. The rotating 5% bonus categories (with quarterly activation) can generate exceptional value for businesses with spending in those categories. The 2% on dining and travel is solid. For small business owners maximizing rewards, this card is excellent; for those wanting simplicity, it requires more management.

At a Glance

Annual Fee	None
Rotating Category Rewards	5% cash back (quarterly, requires activation)
Dining & Travel	2% cash back
All Other Purchases	1% cash back
Sign-Up Bonus	$500 cash back (after $3,000 spend)
Card Network	Visa
Network	Visa
Rewards Rate
Sign-Up Bonus	$500 cash back

Rotating 5% Categories Maximize Small Business Earnings

The 5% rotating categories are designed for small business expense patterns. Businesses paying for internet, phone, and cable services benefit from the periodic 5% bonus on these recurring expenses. Quarterly activation ensures you capture the bonus—Chase makes activation simple through the business dashboard. For a business with $5,000 annual internet/phone spend, the 5% rate generates $250 annually—pure profit. Combined with dining and travel bonuses, a small business can accumulate substantial cash back at no cost.

No Annual Fee = Always Positive ROI

The complete absence of an annual fee ensures this card generates pure profit for any business using it. Even modest spending accumulates rewards with zero fees to offset. Many business cards charge $95-$500 annually; Ink Business Cash charges nothing. For startup owners or small business operators, this free rewards vehicle is invaluable.

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Pros & Cons

Pros

5% cash back on rotating categories (quarterly)
2% on dining and travel
1% on all other business purchases
No annual fee
Ideal for business expenses
Strong cash back limits

Cons

Requires quarterly category activation
Rotating categories change periodically
Limited business-specific perks
Category caps exist (varies by quarter)

Frequently Asked Questions

What rotating categories does this card offer?

Categories rotate quarterly and might include: internet and cable services, gas stations, restaurants, transit, office supply stores, and fast food. Chase provides a calendar showing upcoming categories. Activation is free and takes seconds.

Is 5% cash back good for business?

Excellent. On $2,000 in business spend per bonus category per quarter, that's $100 in cash back for that quarter. Over a year across multiple bonus categories, businesses can earn $500-1,000+ depending on spending patterns.

Do I have to activate the categories?

Yes, like consumer Discover cards, you must manually activate each quarter through the Chase business portal. Activation is free and required to earn the 5% rate on those categories.

What about the 2% dining and travel?

The 2% on dining and travel (worldwide) is flat-rate—no activation needed. This is valuable for businesses with travel expenses and client entertainment budgets.