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.
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Side-by-side
Chase Ink Business Cash vs Southwest Rapid Rewards Performance Business
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Southwest Rapid Rewards Performance Business from Chase at $299/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Southwest Rapid Rewards Performance Business is the stronger pick today, the sign-up bonus is meaningfully larger ($79,250 more in estimated value) than the Chase Ink Business Cash's. Get the Southwest Rapid Rewards Performance Business first; revisit the Chase Ink Business Cash after you've earned that bonus.
| Feature | Chase Ink Business Cash | Southwest Rapid Rewards Performance Business |
|---|---|---|
| Annual fee | $0 | $299 |
| Sign-up bonus | $750 bonus cash back | 80,000 points |
| Bonus value (est.) | $750 | $80,000 |
| Min spend to unlock bonus | $6,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | travel |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
Southwest Rapid Rewards Performance Business
$299/yr · 80,000 points
Editorial take: Southwest Rapid Rewards Performance Business
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Southwest Rapid Rewards Performance Business?
- The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, 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 Southwest Rapid Rewards Performance Business?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Southwest Rapid Rewards Performance Business's $299 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Performance Business's benefits to clear $299 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 Southwest Rapid Rewards Performance 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 Southwest Rapid Rewards Performance 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. Southwest Rapid Rewards Performance Business: $5,000 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.