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 Sephora Visa Credit Card
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the Sephora Visa Credit Card from Comenity 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 ($725 more in estimated value) than the Sephora Visa Credit Card's. Get the Chase Ink Business Cash first; revisit the Sephora Visa Credit Card after you've earned that bonus.
| Feature | Chase Ink Business Cash | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | $750 | $25 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Comenity |
| 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
Sephora Visa Credit Card
$0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Editorial take: Sephora Visa Credit Card
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or Sephora Visa Credit Card?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the Sephora Visa Credit Card?
- The Chase Ink Business Cash has no annual fee, so the question is whether the Sephora Visa Credit Card's $0 fee is justified by its perks. If you'll use enough of the Sephora Visa Credit 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 Sephora Visa Credit Card?
- Yes, since they're from different issuers (Chase and Comenity) 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 Sephora Visa Credit 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. Sephora Visa Credit 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.