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 Discover it Cash Back
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Discover it Cash Back from Discover 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 ($550 more in estimated value) than the Discover it Cash Back's. Get the Chase Ink Business Cash first; revisit the Discover it Cash Back after you've earned that bonus.
| Feature | Chase Ink Business Cash | Discover it Cash Back |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | Cashback Match (first year, unlimited) |
| Bonus value (est.) | $750 | $200 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 12 mo |
| Issuer | Chase | Discover |
| Card category | business | cashback |
| 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
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)
Editorial take: Discover it Cash Back
The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Discover it Cash Back?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Discover it Cash Back?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Discover it Cash Back's $0 fee is justified by its perks. If you'll use enough of the Discover it Cash Back'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 Discover it Cash Back?
- Yes, since they're from different issuers (Chase and Discover) 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 Discover it Cash Back first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. Discover it Cash Back: $0 in 12 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.