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Chase Ink Business Cash vs Navy Federal More Rewards / Flagship Rewards

Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/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 ($650 more in estimated value) than the Navy Federal More Rewards / Flagship Rewards's. Get the Chase Ink Business Cash first; revisit the Navy Federal More Rewards / Flagship Rewards after you've earned that bonus.

FeatureChase Ink Business CashNavy Federal More Rewards / Flagship Rewards
Annual fee$0$49
Sign-up bonus$1,000 bonus cash back35,000 bonus points (a $350 value)
Bonus value (est.)$1,000$350
Min spend to unlock bonus$8,000 in 4 mo$3,500 in ? mo
IssuerChaseNavy Federal Credit Union
Card categorybusinesstravel
Best earning category (Office)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5% office + internet/phone
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
    Read the full review
    Chase Ink Business Cash
    $0/yr · $1,000 bonus cash back
    Read the full review
    Navy Federal More Rewards / Flagship Rewards
    $49/yr · 35,000 bonus points (a $350 value)

    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: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).

    Editorial take: Navy Federal More Rewards / Flagship Rewards

    Common questions

    Which card has the bigger sign-up bonus, Chase Ink Business Cash or Navy Federal More Rewards / Flagship Rewards?
    The Chase Ink Business Cash has the bigger bonus, $1,000 bonus cash back, worth roughly $1,000, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
    Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
    The Chase Ink Business Cash has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 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 Navy Federal More Rewards / Flagship Rewards?
    Yes, since they're from different issuers (Chase and Navy Federal Credit Union) 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 Navy Federal More Rewards / Flagship Rewards first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $8,000 spend in 4 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.