Editorial take: Chase Ink Business Cash
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
All credit cards
Side-by-side
Chase Ink Business Cash vs Chase Ink Business Preferred
Both are business travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Chase Ink Business Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Chase Ink Business Preferred costs $95 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Chase Ink Business Cash | Chase Ink Business Preferred |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $750 bonus cash back | 100,000 points |
| Bonus value (est.) | $750 | $2,000 |
| Min spend to unlock bonus | $6,000 in 3 mo | $8,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | chase-ur |
| Headline benefits |
|
|
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Editorial take: Chase Ink Business Preferred
The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.
The real-world take
TL;DR. Two Chase business cards in the same family. Ink Business Cash ($0) earns 5% on office supplies, internet, cable, phone (combined $25k/yr cap) and 2% on gas and dining. Ink Preferred ($95) earns 3x on travel, shipping, internet/phone, advertising (combined $150k cap). Cash wins on no-fee earning. Preferred wins on category breadth, cap, and welcome bonus. They are designed to be held together.
The three dimensions that actually decide it. First, cap. Cash caps at $25k/yr on bonus categories. Preferred caps at $150k/yr (6x higher). Second, welcome bonus. Preferred's 100k points on $8k spend in three months is one of the strongest bonuses in business cards. Cash's $750 cash back is good but lower in absolute transferable value. Third, category overlap. Both earn on internet and phone. Cash at 5x on the first $25k; Preferred at 3x on the next $125k.
Real customer scenario for each. If your business spends under $25k a year on internet, phone, office supplies combined, Cash at 5% is unbeatable for those categories. If instead you spend $50k+ on travel and ads, Preferred's 3x at the $150k cap massively outearns Cash on that spend.
The trap to avoid. Holding only one. The standard Chase business stack is Cash + Unlimited + Preferred, total fee $95 a year, with each card maximizing a different earning bucket. Holding only Cash leaves the welcome bonus and travel earn on the table.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Chase Ink Business Preferred?
- The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus $750 bonus cash back (~$750) on the Chase Ink Business Cash.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Chase Ink Business Preferred?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Chase Ink Business Preferred's $95 fee is justified by its perks. If you'll use enough of the Chase Ink Business Preferred's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
- Can I have both the Chase Ink Business Cash and Chase Ink Business Preferred?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Chase Ink Business Cash or the Chase Ink Business Preferred first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. Chase Ink Business Preferred: $8,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.