Ink Business Cash
Chase
Ink Business Cash
Offer Strength
Above average$150 above typical value
Show breakdown
Estimated bonus value: ~$750
Base score: 49
Current $750 vs typical $600
Net value after annual fee: ~$750
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Credit Score
Fair credit recommended (630+)
Ink Business Cash
Welcome Offer
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Ink no-fee cross-card restriction
Chase states the bonus "may not be available" if you've ever had any Chase no-annual-fee business card. Unlike Sapphire's hard restriction, enforcement appears to vary.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Office supplies + internet/cable/phone
5% cash back
Up to $25,000 combined spend per year
Gas stations + restaurants
2% cash back
Up to $25,000 combined spend per year
Lyft rides
5% cash back
Through 09/30/2027
All other purchases
1% cash back
Key benefits
$750 cash back bonus
After $6,000 spend in 3 months.
5% cash back
On office supplies, internet, cable and phone services (first $25,000/yr).
2% cash back
On gas stations and restaurants (first $25,000/yr).
0% intro APR
12 months on purchases from account opening.
Perks
Employee cards at no additional cost
Set spending limits and earn rewards faster.
Automatic credit line review
Checked for increase every 6 months or sooner.
Good fit for
About this card
The Chase Ink Business Cash is a business cash back card with no annual fee. New cardholders can earn 750 cash after spending $6,000 in 90 days.
Best for
anyone wanting simple cash back, small business owners
Key considerations
No annual fee makes this easy to keep long-term. Subject to Chase 5/24 rule — plan application timing.
Card analysis
Offer analysis
The current offer on the Ink Business Cash awards 750 cash after spending $6,000 within 90 days of account opening.
Annual fee value
The Ink Business Cash has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the ink product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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