The Chase Ink Business Cash Card – The No Annual Fee Card With Huge Earning Power

Some links to products and travel providers on this website will earn Traveling For Miles a commission that helps contribute to the running of the site. Traveling For Miles has partnered with CardRatings for our coverage of credit card products. Traveling For Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities. For more details please see the disclosures found at the bottom of every page.

Generally speaking, if you want to a credit card that offers impressive earnings power you have to be prepared to pay for it and, in a lot of cases, paying for it means taking on annual fees of at least $495/year…but not with the Ink Business Cash Card from Chase.

The Ink Business Cash Card offers cardholders the potential to unlock significant savings courtesy of the earning rates the card offers, and when paired with a Chase Sapphire personal card, it becomes one of the best earning credit cards on the market today.

In Brief

The Ink Business Cash Card is a card that offers cashback on spending made in select categories and, while that cashback can be very generous all on its own, that cashback can be converted to valuable Chase Ultimate Rewards points (1% cashback = 1 point) if the cardholder also holds the Chase Sapphire Preferred Card ($95/year) or the Chase Sapphire Reserve Card ($550/year).

Related: Why you should hold one of the Chase Sapphire Cards

The Detail

Here’s what you need to know about the Ink Business Cash Card

Annual Fee:

  • $0

Cost of Additional/Employee Cards:

  • $0

Current Welcome Bonus:

  • $500 cashback after you spend $3,000 on purchases in the first 3 months – this converts to 50,000 Ultimate rewards points if you also hold a Chase Sapphire card (find out more)


Earn 5% cashback on the first $25,000 spent in combined purchases in the following categories each anniversary year (converts to 5 points/dollar if you also hold a Chase Sapphire card):

  • Office supply stores
  • Internet
  • Cable
  • Phone services

Earn 2% cashback on the first $25,000 spent in combined purchases in the following categories each anniversary year (converts to 2 points/dollar if you also hold a Chase Sapphire card):

  • Gas station purchases
  • Restaurants

Earn 1% cashback (1 point/dollar with a Sapphire card) on all other transactions with no annual cap on earnings.

Other Key Benefits:

  • Primary auto rental cover when renting for business purposes
  • Purchase protection – covers new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • Extended warranty protection
  • Roadside dispatch


The key element to unlocking the Ink Business Cash Card’s fantastic earnings power is the 5% cashback on offer at office supply stores (up to $25,000 per year) because this is the earnings category that allows cardholders to, effectively, earn 5% cashback at an incredible number of other locations too.

For a lot of people, office supply stores conjure up images of pens, pencils, stationery, printers, ink, and everything else that goes into an office. For fans of the miles and points game office supply stores mean only one thing – gift cards.

As well as all the usual office essentials, office supply stores like Staples and Office Depot sell a wide variety of gift cards which will all earn 5% cashback when purchased with the Ink Business Cash Card. If the cardholder also holds a Sapphire personal card that 5% cashback can be converted to 5 points/dollar which, based on my personal valuation, is equivalent to a 7.5% rebate.

Examples of gift cards you can buy:


  • Delta
  • Southwest
  • Airbnb

Casual Dining/Coffee Shops:

  • California Pizza Kitchen
  • Starbucks
  • Cheesecake Factory
  • Chili’s
  • Olive Garden
  • Domino’s Pizza
  • Yard House
  • Outback Steakhouse

Retail stores:

  • Macy’s
  • Norstrom
  • Carate & Barrel
  • Marshall’s
  • JC Penny
  • Sephora
  • Nike
  • TJ Maxx

Home improvement stores:

  • Lowes
  • Home Depot

Streaming services:

  • HBOnow
  • Netflix
  • Apple Music
  • Spotify

Other services:

  • Amazon
  • Apple
  • Whole Foods
  • Fandango
  • Google

That’s just a taster. Walk into any office supply store and take a look at the gift cards they sell and you’ll see that the Ink Business Cash Card offers 5% cashback with more retailers and service suppliers than just about any other credit card currently available…and it comes with no annual fee!

If you’re prepared to pair it with the $95/year Chase Sapphire Preferred card, the Ink Business Cash card becomes incredibly powerful.

  • Most credit cards will only offer 1 point/dollar or 2% cashback with the majority of retailers/service providers I’ve listed above (outside of quarterly promotions) – the Ink Business Cash Card will earn a minimum of 5% cashback (on up to $25,000 of purchases)
  • If you shop at Amazon with any great frequency (and most people do) the best you can expect from most credit cards is a 2% rebate, while the Ink Business Cash card can generate a 5% rebate on up to $25,000 of purchases.

I’m can’t think of another credit card (let alone a no annual fee credit card) that can generate this level of cashback with this variety of retailers/service providers.

A Word Of Caution

Buying things with gift cards purchased at an office supply store using the Ink Business Cash card can be a fantastic way to rake in the cashback or Ultimate Rewards points but there is something to be aware of.

Buying things with a credit card offers consumers a degree of protection (unless they’re using a Citi credit card) in the event something they buy goes wrong, gets broken soon after purchase or if it simply has to be returned.

Buying things with gift cards offers no such protection so it’s always a good idea to use a credit card to part-pay for the larger purchases.

Bottom Line

On its own, the Ink Business Cash Card from Chase is a stunningly good cashback card that has few peers. When combined with one of the Chase Sapphire cards it becomes part of a fantastic pair of cards that opens up an incredible number of great earning opportunities across most spending categories.

Quite simply, it a card that all serious miles and points fans should have in their wallets.



Please enter your comment!
Please enter your name here