Ink Business Cash: $750 Bonus & 5% Back, No Annual Fee Review 2026
Ink Business Cash is a no-fee small-business card with strong 5% rewards on office supplies and telecom spending. It is especially powerful when paired with a premium Ultimate Rewards card.
Your card estimate
Net first-year value
First year
+$1,300
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
$1,000
Rewards
5% cash back
Annual fee
$0
APR
16.74%-24.74%
Pros & cons
- 5% on office supply stores
- 5% on internet, cable and phone
- No annual fee
- Large welcome bonus
- 5% categories are capped
- Foreign transaction fee applies
- Only 1% outside bonus categories
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
$1,000
Observed Jun 21, 2026
12-month best
$1,000
15 tracked observations
Signal
At or near tracked best
Last history update Aug 23, 2026
Current offer is near the observed high. Tracked since Jun 21, 2026, range $750–$1,000 across 15 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%–29.99%. Tracked since Jun 21, 2026 across 15 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 (5 changes tracked) →
- 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
Product card image shown
$0 annual fee
16.74%-24.74% variable
Spend requirement: $8,000 in purchases within 4 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.
5% categories are capped
Comparison set
Other cards to compare first
Bottom line
Is Ink Business Cash: $750 Bonus & 5% Back, No Annual Fee worth it?
Ink Business Cash is a no-fee small-business card with strong 5% rewards on office supplies and telecom spending. It is especially powerful when paired with a premium Ultimate Rewards card.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term