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 Sapphire Reserve for Business
Both are business travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Sapphire Reserve for Business from Chase at $795/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 Sapphire Reserve for Business costs $795 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Chase Ink Business Cash | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $0 | $795 |
| Sign-up bonus | $750 bonus cash back | 150,000 points |
| Bonus value (est.) | $750 | $2,595 |
| Min spend to unlock bonus | $6,000 in 3 mo | $20,000 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
Sapphire Reserve for Business
$795/yr · 150,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, 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 Sapphire Reserve for Business?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 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 Sapphire Reserve for Business?
- 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 Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. Sapphire Reserve for Business: $20,000 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.