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Credit Card Review💼 Best No-Fee Business Card

Ink Business Cash® Credit Card

Issued by Chase

5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else — plus $1,000 cash back after $8,000 spend in first 4 months (limited-time offer; verify current terms).

At a Glance

Annual Fee

$0

Purchase APR

16.74%–29.99%

Rewards Rate

5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else

Min. Credit Score

660+ (est.)

Intro APR

0% on purchases for 12 months

Sign-Up Bonus

$1,000 cash back after $8,000 spend in first 4 months (limited-time offer; verify current terms)

Rates & Fees

Annual Fee

$0

Purchase APR

16.74%–29.99% variable

Intro APR

0% on purchases for 12 months

Foreign Transaction Fee

3%

Balance Transfer Fee

5% of the amount transferred, $5 minimum

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Ink Business Cash® Credit Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: Also earns 5% on office supply stores and internet/cable/phone services, up to $25,000/year combined — not modeled here since those aren't everyday personal-spend categories.

Est. Annual Rewards

$288/yr

After $0 Annual Fee

$288/yr

Based On

$1,950/mo

Key Features

5% back on internet/cable/phone — major business expense for most

No annual fee for a business card

Employee cards at no additional cost

Pairs with Sapphire cards to convert cash back to transferable Ultimate Rewards points

Pros & Cons

Pros

  • $750 total welcome bonus — one of the highest on a no-fee business card
  • 5% on telecom is unique and extremely valuable for businesses
  • Zero annual fee makes it a pure profit center
  • Combine with CSP or CSR to unlock full transfer value

Tradeoffs

  • $25,000/year cap on 5% and 2% categories
  • Business verification required — not for personal use
  • Less useful if you don't have significant office/telecom spend

How to Apply

Check whether your credit profile is a reasonable fit — Chase generally looks for applicants around 660+ FICO for the Ink Business Cash® Credit Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Ink Business Cash® Credit Card$016.74%–29.99%5% on office supplies & internet/cable/phone (up to $25K/yr), 2% on gas & dining (up to $25K/yr), 1% on everything else
Ink Business Preferred® Credit Card$9517.74%–29.99%3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else
American Express® Business Gold Card$37517.74%–28.49%4x on the 2 categories where your business spent the most each billing cycle (up to $150K/yr combined), 1x elsewhere
Ink Business Unlimited® Credit Card$016.74%–24.74%Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027

Frequently Asked Questions

What credit score do I need for the Ink Business Cash® Credit Card?

Chase generally looks for applicants with a credit score around 660+ for the Ink Business Cash® Credit Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Ink Business Cash® Credit Card?

The Ink Business Cash® Credit Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Ink Business Cash® Credit Card have a sign-up bonus?

Yes — new cardholders can currently earn $1,000 cash back after $8,000 spend in first 4 months (limited-time offer; verify current terms). Bonus terms and required spend change over time, so confirm the current offer on Chase's site before applying.

What fees should I watch for on the Ink Business Cash® Credit Card?

Beyond the annual fee, check the foreign transaction fee (3%), balance transfer fee (5% of the amount transferred, $5 minimum), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Ink Business Cash® Credit Card compare to similar cards?

The Ink Business Cash® Credit Card is one of several business cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of business cards for more options.

Other Credit Cards

Ink Business Preferred® Credit Card

3x on travel, shipping, internet/cable/phone & advertising (up to $150K combined/yr), 1x on everything else

American Express® Business Gold Card

4x on the 2 categories where your business spent the most each billing cycle (up to $150K/yr combined), 1x elsewhere

Ink Business Unlimited® Credit Card

Unlimited 1.5% cash back on every purchase, plus 5% total cash back on Lyft rides through Sept. 2027

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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