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 Navy Federal More Rewards American Express Card
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union 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 Navy Federal More Rewards American Express Card's. Get the Chase Ink Business Cash first; revisit the Navy Federal More Rewards American Express Card after you've earned that bonus.
| Feature | Chase Ink Business Cash | Navy Federal More Rewards American Express Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | 20,000 points ($200 value) |
| Bonus value (est.) | $750 | $200 |
| Min spend to unlock bonus | $6,000 in 3 mo | $2,000 in 3 mo |
| Issuer | Chase | Navy Federal Credit Union |
| Card category | business | cashback |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
|
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
Navy Federal More Rewards American Express Card
$0/yr · 20,000 points ($200 value)
Editorial take: Navy Federal More Rewards American Express Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Navy Federal More Rewards American Express Card?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Navy Federal More Rewards American Express Card's $0 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards American Express Card'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 Navy Federal More Rewards American Express Card?
- 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 American Express 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. Navy Federal More Rewards American Express Card: $2,000 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.