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
$750
Min Spend
$6K/6mo
Current Welcome Offer
750
Cash — worth ~$750
Spend $6,000 in 6 months
Good offerData discrepancy
Issuer shows 20,000, we show 750
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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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
750
Average
550
Tracked High
750
Recent changes
2026-03
Chase.com
All-time high
2025-09
Chase.com
Highest observed since tracking started: 750 (2025-09)
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 550). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on 2 tracked changes. 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: 550). 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
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 (3)
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
Alternatives
Compare with similar cards
Ink Business Cash
Current offer: 750 Cash — worth ~$750
View Official OfferChase'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
750 Cash offer