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 Chime Credit Builder Secured Visa
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Chime Credit Builder Secured Visa from Chime at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the Chase Ink Business Cash first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Chase Ink Business Cash | Chime Credit Builder Secured Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | None |
| Bonus value (est.) | $750 | $0 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Chime |
| Card category | business | secured |
| 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
Chime Credit Builder Secured Visa
$0/yr · None
Editorial take: Chime Credit Builder Secured Visa
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Chime Credit Builder Secured Visa?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Chime Credit Builder Secured Visa?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Chime Credit Builder Secured Visa's $0 fee is justified by its perks. If you'll use enough of the Chime Credit Builder Secured Visa's benefits to clear $0 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 Chime Credit Builder Secured Visa?
- Yes, since they're from different issuers (Chase and Chime) the application rules don't conflict. 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 Chime Credit Builder Secured Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 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.