Chase
Ink Business Cash
Business owners with significant internet/cable/phone and office supply bills who want UR without an annual fee
Annual Fee
$0
Bonus Value
$1,000
Min Spend
$8K/4mo
Current Welcome Offer
1,000
Cash — worth ~$1,000
Spend $8,000 in 4 months
Elevated offerVerified from issuer
Last checked May 13
CreditPoints Take
The no-fee business powerhouse for phone bills and office spending
At zero annual cost, the Ink Cash is an essential piece of the Chase business trifecta. The 5× phone/internet rate is unmatched for no-fee cards, and every point flows to the same UR pool.
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What you get
All 3 perks ↓Perks/yr up to
$1,150
Annual Fee
$0
AI Analysis
Who is this card best for?
At zero annual cost, the Ink Cash is an essential piece of the Chase business trifecta. The 5× phone/internet rate is unmatched for no-fee cards, and every point flows to the same UR pool.
Power combo: Pair with Ink Business Preferred (3× advertising/travel/shipping) and personal CSP/CSR. Pool all UR and transfer to Hyatt. Complement with a 1.5× catch-all Ink Unlimited for non-bonus spend.
Strengths
- 5× on internet/cable/phone with no annual fee is exceptional for businesses with large utility bills
- Office supply 5× + gift card trick unlocks 5× earn at many merchants
- No annual fee makes this a permanent keeper for pooling UR
- Does not count toward 5/24 — preserves precious personal card application slots
Weaknesses
- $25,000/yr combined cap on 5× categories limits very high-volume businesses
- 1× catch-all makes this a poor standalone card for general business spend
Rewards
Earn rates by category
Office supply storesBest rate
Up to $25,000/yr combined
Internet, cable & phone servicesBest rate
Up to $25,000/yr combined
Gas stations
Restaurants
Everything else
Earn rates in Ultimate Rewards. Point value varies by redemption method.
Historical Intelligence
Offer history & timing
Current
1,000
Average
1,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 1,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$713 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 1,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 13
Ecosystem
Chase Ultimate Rewards
Chase's transferable points currency — highly valuable via Hyatt, United, and airline partners.
✓ Transferable to 13 partners
Opens the Chase Ultimate Rewards ecosystem with access to Ultimate Rewards and 13 transfer partners.
Value
First-year value estimate
Conservative
+$480
65% benefit utilization, minimal travel redemptions
Realistic
+$713
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$942
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$413/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $1,150/yr in benefits
🛡️insurance
Cell Phone Protection
$1000/yr
Up to $1,000 per claim for covered theft or damage, $100 deductible.
Phone bill must be paid with card; covers up to 3 phones
Purchase Protection
$100/yr
Covers new purchases for 120 days against damage or theft, up to $10,000 per claim.
Extended Warranty
$50/yr
Extends US manufacturer warranties of 3 years or less by an additional year.
Live Data
Verified issuer data
Last verified: May 13, 2026
high confidenceEstimated Net Annual Value
$250
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Redemptions
Transfer partners
Move your Chase UR points to these loyalty programs — usually at 1:1. Strategic transfers routinely deliver 2–4× more value than cash redemptions.
Airlines (7)
Hotels (4)
Approval & Best For
Eligibility
Approval insights
Recommended Credit Score
680+
Good (680+)
Difficulty
Moderate
Annual Fee
$0
No fee
⚠ Know Before You Apply
Does NOT Count Toward 5/24
Chase business cards do not appear on personal credit reports or count toward 5/24
Chase 5/24 Required for Approval
Must still be under 5/24 to apply successfully
No annual fee business card for Chase UR accumulation. Office supply store trick: purchase third-party gift cards at Office Depot/Staples to earn 5× on almost anything. Points become full UR when pooled with CSP/CSR.
Ideal Profile
Best use cases
Businesses with significant monthly internet, cable, or phone bills
Office supply purchasers (including gift card strategy for 5× on broader spend)
Chase UR builders who want no-fee accumulation without burning 5/24 slots
Stacking with Ink Preferred and Ink Unlimited for a complete business UR trifecta
Fit assessment
Best For / Not Best For
Best For
- 5× on internet/cable/phone with no annual fee is exceptional for businesses with large utility bills
- Office supply 5× + gift card trick unlocks 5× earn at many merchants
- No annual fee makes this a permanent keeper for pooling UR
- Does not count toward 5/24 — preserves precious personal card application slots
Not Best For
- $25,000/yr combined cap on 5× categories limits very high-volume businesses
- 1× catch-all makes this a poor standalone card for general business spend
Current Offer Status
Offer status
1,000 Cash
Last verified
Jun 12, 2026
24 days ago
Annual fee
$0 — No annual fee
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Compare with similar cards
Alternatives
Consider these cards instead
Amex
Blue Business Plus
Business owners in the Amex MR ecosystem who want 2× on all spend without paying an annual fee
No fee
15,000 pts
View review
Capital One
Spark Cash Plus
Step-up option with more premium benefits for heavy travelers.
$150/yr
$2,000
View review
Chase
Ink Preferred
Small business owners with meaningful spend on travel, advertising, shipping, or phone/internet services
$95/yr
100,000 pts
View review
FAQ
Frequently asked questions
What's the current Ink Cash welcome bonus?
1,000 Cash after spending $8,000 in the first 4 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
How many transfer partners does Ink Cash have?
Ink Cash earns Ultimate Rewards (Chase UR), which transfers 1:1 to 14+ airline and hotel programmes as of 2026. Compared to other transferable-points programmes, that puts it in the upper tier — only Amex MR has more partners. For sweet-spot redemptions, transferring to a partner typically beats portal redemption by 2-3× CPP.
Can I transfer Ink Cash points to World of Hyatt?
Yes — at 1:1. World of Hyatt accepts 1:1 transfers from Chase Ultimate Rewards and Bilt Rewards only, so Ink Cash qualifies via its Ultimate Rewards (Chase UR) ecosystem. Peak nights at Park Hyatt and Andaz properties redeem at 3–5 cents per point, the highest CPP in the points game.
What credit score do I need for Ink Cash?
Realistic target: 660+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 660+ is the floor for reliable approval on cards in Ink Cash's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on Ink Cash and Chase
The Chase Ink Trifecta: How to Stack Three Business Cards for Maximum UR
Three Chase business cards working together: Ink Preferred earns 3x on travel and ads, Ink Cash earns 5x on office supplies, Ink Unlimited catches everything else at 1.5x. All three pool onto one UR account.
Read
Best No Annual Fee Business Credit Cards of 2026
Compare Chase Ink Cash (5x office/internet), Ink Unlimited (1.5x flat), and Amex Blue Business Plus (2x MR) — the three best no-fee business cards. No annual fee, no compromise.
Read
Best Credit Card Sign-Up Bonuses of June 2026
June 2026 top sign-up bonuses: Chase Ink Business Preferred 200K UR (all-time high), Amex Platinum 100K MR, Capital One Venture X 100K miles, and more
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Tools & next steps
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Ink Business Cash
Current offer: 1,000 Cash — worth ~$1,000
Apply via ReferralChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Ink Cash
1,000 Cash offer