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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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6 reasons to apply for the Chase Ink Business Cash card
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
also contributed to this story
July 20, 2026 • 8 min read
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Quick summary
A business card with no annual fee offers up to 5% cash back in select business categories and includes travel and purchase protections.
Rewards can be converted into a flexible points currency when paired with certain other cards, increasing redemption value for travel.
Freelancers and side hustlers can qualify using a Social Security number, without needing a formal business or employer identification number.
The card's bonus categories and welcome offer provide strong value, especially when combined with flexible points options.
What to consider
Eligibility extends to many types of small-business activities, including part-time ventures and sole proprietors.
Bonus cash back rates apply only up to specific annual spending limits in each category; additional spending earns a lower rate.
Travel protections, such as rental car coverage, are limited to business use and may not apply to personal rentals.
What you'll miss from the article
A detailed breakdown of how pairing this card with others can maximize your rewards and redemption options.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
With no annual fee, up to 5% cash back in popular business spending categories and the ability to turn those rewards into valuable Chase Ultimate Rewards points when paired with an eligible card, it punches well above its weight. It also currently offers a welcome bonus of $750 cash back after spending $6,000 on purchases in the first three months from account opening.
Here are six reasons why this card deserves a spot in your wallet.
One of the biggest benefits of the Ink Business Cash is that you earn cash back on business expenses and at gas stations and restaurants, get travel and purchase protections and earn a solid welcome offer without paying an annual fee.
One of the biggest misconceptions about business credit cards is that you need a large company or an employer identification number to apply. In reality, many sole proprietors can qualify using their Social Security number.
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If you freelance, drive for a ride-hailing service, sell products online, tutor, consult or earn income from another side hustle, you may be eligible for the Ink Business Cash. Chase considers many small-business activities eligible, even if they work part time or are just getting started.
That means you don't need a formal limited liability company or incorporated business to take advantage of the no-annual-fee card's valuable bonus categories and welcome offer.
Another reason to consider the Ink Business Cash card is that you can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on phone, internet and cable TV services each account anniversary year. You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and you’ll get an unlimited 1% cash back on everything else. Plus, through Sept. 30, 2027, you'll earn 5% cash back on Lyft rides.
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When you max out your bonus spending in the 5% and 2% categories, that adds up to $1,750 in cash-back rewards earned each year. For a no-annual-fee credit card, that’s great potential for earned rewards. Of course, if you’re pairing this card with a Chase Ultimate Rewards card, that $1,750 turns into $3,587 in rewards value.
The Ink Business Cash comes with some solid travel and shopping protections. It offers purchase protection, covering newly bought items for 120 days against damage or theft (up to $10,000 per claim and up to $50,000 per account). As a cardmember, you’ll also receive extended warranties for eligible purchases, as the card extends a U.S. manufacturer’s warranty by an additional year (on eligible warranties of three years or less).
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The Ink Business Cash card also offers an auto rental collision damage waiver. Essentially, when you rent a car for business purposes and charge it to this card, you can decline the rental car company’s collision insurance and be covered by the card in the case of theft or collision damage. This is valid on most rentals both in the U.S. and abroad — just make sure to check the fine print for more details.
Chase Ultimate Rewards points are valued at 2.05 cents each, according to TPG's valuations, making them one of the most valuable rewards currencies available.
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Although the Ink Business Cash isn’t part of the official Chase Trifecta, it’s still a valuable card to pair with other Chase cards. You could effectively earn a return of 10.25% (based on TPG’s valuations) for the first $25,000 spent at office supply stores and on the other services mentioned above, as well as a return of 4.1% on the first $25,000 spent at gas stations and restaurants. As for everyday nonbonus spending, this card offers a pretty solid 2.05% return, which is great for a no-annual-fee card.
Remember that your redemption options increase drastically when you pair the Ink Business Cash with other Chase cards. For example, if you use the Sapphire Reserve for personal travel and dining and the Ink Business Cash for your small-business expenses, the rewards you can earn with your Ink Business Cash can be redeemed for up to 2 cents each, depending on the specific redemption, through the Chase Travel℠ portal or for travel partner redemptions when you transfer your points. (See your rewards program agreement for full details.)
The Ink Business Cash is one of the strongest no-annual-fee business credit cards available.
Between its generous welcome bonus, valuable bonus categories, built-in purchase protections and ability to earn Chase Ultimate Rewards points when paired with an eligible Chase card, it delivers outsize value without adding another annual fee to your wallet.
You also don't need a formal business or EIN to apply; freelancers and those with a side gig can qualify using a Social Security number instead.
