Ink Business Cash: $750 Bonus & 5% Back, No Annual Fee Review 2026
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
You'll leave SwitchWize. Verify terms with the issuer.
SwitchWize currently has no compensated card links. Compensation does not affect its rank.
Your card estimate
Net first-year value
First year
+$1,050
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,500 in rewards.
SwitchWize take
Cash-back optimizer
Bonus value
$750
Rewards
5% cash back
Annual fee
$0
APR
16.74%-24.74%
Pros & cons
- No annual fee
- Strong rewards rate (5%)
- Sign-up bonus worth $750
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Points value
What Chase Ultimate Rewards points are actually worth
This card earns Ultimate Rewards points, currently valued at 2.05¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full Chase Ultimate Rewards program page or the full valuation methodology.
Offer history
How today's bonus compares
Current public welcome offer
$750
Observed Oct 4, 2026
12-month best
$1,000
19 tracked observations
Signal
$250 below recent best
Last history update Oct 4, 2026
Current offer is meaningfully below the observed high. Tracked since Jun 21, 2026, range $750–$1,000 across 19 tracked readings — not a signal to act by any deadline, just context on where today's offer sits historically.
Terms history
Has the fee or APR changed?
Since tracking began (2026-06-21 00:00:00+00), APR range moved from 16.74%–24.74% to 16.74%–24.99%. Tracked since Jun 21, 2026 across 18 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (6 changes tracked) →
- Sep 21, 2026 — APR range moved from 16.74%–29.99% to 16.74%–24.99%.
- Jul 21, 2026 — APR range moved from 6.75%–29.99% to 16.74%–29.99%.
- Jul 19, 2026 — APR range moved from 16.74%–29.99% to 6.75%–29.99%.
- Jul 15, 2026 — APR range moved from 16.74%–24.74% to 16.74%–29.99%.
- Jul 14, 2026 — APR range moved from 16.74%–29.99% to 16.74%–24.74%.
- Jul 10, 2026 — APR range moved from 16.74%–24.74% to 16.74%–29.99%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
16.74%-24.74% variable
Spend requirement: $6,000 in 3 months
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
Other cards to compare first
wells-fargo
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
affinity-fcu
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
bank-of-america
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
bank-of-america
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
Bottom line
Is Ink Business Cash: $750 Bonus & 5% Back, No Annual Fee worth it?
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term