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 PenFed Platinum Rewards Visa Signature Card
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the PenFed Platinum Rewards Visa Signature Card from PenFed 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 ($622 more in estimated value) than the PenFed Platinum Rewards Visa Signature Card's. Get the Chase Ink Business Cash first; revisit the PenFed Platinum Rewards Visa Signature Card after you've earned that bonus.
| Feature | Chase Ink Business Cash | PenFed Platinum Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | 15,000 bonus points after $1,500 spend in 90 days |
| Bonus value (est.) | $750 | $128 |
| Min spend to unlock bonus | $6,000 in 3 mo | $1,500 in 3 mo |
| Issuer | Chase | PenFed |
| 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
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Editorial take: PenFed Platinum Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or PenFed Platinum Rewards Visa Signature Card?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus 15,000 bonus points after $1,500 spend in 90 days (~$128) on the PenFed Platinum Rewards Visa Signature Card.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the PenFed Platinum Rewards Visa Signature Card?
- The Chase Ink Business Cash has no annual fee, so the question is whether the PenFed Platinum Rewards Visa Signature Card's $0 fee is justified by its perks. If you'll use enough of the PenFed Platinum Rewards Visa Signature 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 PenFed Platinum Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and PenFed) 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 PenFed Platinum Rewards Visa Signature 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. PenFed Platinum Rewards Visa Signature Card: $1,500 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.