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 Mastercard Black Card
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/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 Mastercard Black Card's. Get the Chase Ink Business Cash first; revisit the Mastercard Black Card after you've earned that bonus.
| Feature | Chase Ink Business Cash | Mastercard Black Card |
|---|---|---|
| Annual fee | $0 | $699 |
| Sign-up bonus | $750 bonus cash back | No public welcome offer |
| Bonus value (est.) | $750 | $0 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Barclays (Luxury Card) |
| 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
Mastercard Black Card
$699/yr · No public welcome offer
Editorial take: Mastercard Black Card
The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Mastercard Black Card?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus No public welcome offer (~$0) on the Mastercard Black Card.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Mastercard Black Card?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Mastercard Black Card's $699 fee is justified by its perks. If you'll use enough of the Mastercard Black Card's benefits to clear $699 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 Mastercard Black Card?
- Yes, since they're from different issuers (Chase and Barclays (Luxury Card)) 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 Mastercard Black Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. Mastercard Black Card: $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.