Current offer

Earn $750 cash back

After spending $6,000 in the first 3 months from account opening. In addition, enjoy 0% intro APR on purchases for 12 months, then a 16.74%–24.74% variable APR. Offer terms apply.

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The point.me verdict

4/5

The Ink Business Cash® earns 5% back on office supply stores and internet, cable, and phone (up to $25,000 a year), plus 2% on dining and gas, all with no annual fee. Points turn into transferable Chase Ultimate Rewards only if you also hold an Ink Preferred® or an eligible Sapphire card. Outside those categories it's just 1%.

What we love

  • $0 annual fee
  • 5% on office supply stores and internet, cable, phone (first $25,000/yr)
  • 2% on dining and gas (first $25,000 combined/yr)
  • Points transferable with an eligible Ink Preferred® or Sapphire card

What we don't

  • Only 1% outside its bonus categories
  • Not transferable alone; needs another eligible Chase card

Rewards on this card

  • 5%Office supply storesOn the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; cap is shared across these categories. 1% thereafter
  • 5%Internet, cable and phone servicesOn the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; cap is shared across these categories. 1% thereafter
  • 5%Lyft rides5% total cash back on Lyft rides through 9/30/27
  • 2%Gas stationsOn the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year; cap is shared across these categories. 1% thereafter
  • 2%RestaurantsOn the first $25,000 in combined purchases at gas stations and restaurants each account anniversary year; cap is shared across these categories. 1% thereafter
  • 1%All other eligible purchasesNo limit to the amount you can earn

Card Benefits

Discover the perks included with this card, on top of what you earn.

  • $29.97

    Instacart+ Membership

    Complimentary three-month Instacart+ membership.

Dollar values shown are estimates used to calculate the card’s first-year value, not the actual value of each benefit.

See what you’d earn

Set your monthly spend to see what you’d earn in year one, and what it’s worth.

Assumes caps apply per year and capped spend falls back to the base rate.

$1,068 cash back/yr