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 USAA Rewards American Express
Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the USAA Rewards American Express from USAA 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 USAA Rewards American Express's. Get the Chase Ink Business Cash first; revisit the USAA Rewards American Express after you've earned that bonus.
| Feature | Chase Ink Business Cash | USAA Rewards American Express |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $750 bonus cash back | 2,500 USAA Rewards points |
| Bonus value (est.) | $750 | $25 |
| Min spend to unlock bonus | $6,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | USAA |
| Card category | business | rewards |
| 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
USAA Rewards American Express
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards American Express
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or USAA Rewards American Express?
- The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards American Express.
- Is the Chase Ink Business Cash's $0 annual fee worth it compared to the USAA Rewards American Express?
- The Chase Ink Business Cash has no annual fee, so the question is whether the USAA Rewards American Express's $0 fee is justified by its perks. If you'll use enough of the USAA Rewards American Express'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 USAA Rewards American Express?
- Yes, since they're from different issuers (Chase and USAA) 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 USAA Rewards American Express first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. USAA Rewards American Express: $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.