Ink Business Cash Credit Card

Rewards by category

Our take

The Ink Business Cash Credit Card is built for owners whose overhead runs through the office: it earns 5x on phone and internet service and 5x on office supplies, and it ranks first in both categories on SwipeCaddy. With no annual fee, it suits a small business that wants those two bills working harder without adding a fixed cost to justify.

The catch is the shared cap: the 5x applies to phone, internet, and office supplies combined, up to $25,000 per account anniversary year. A business heavy in both categories reaches that ceiling faster than one bonus alone would suggest. Rewards come as Chase Ultimate Rewards points, which SwipeCaddy values at one cent each in its rankings, so 5x behaves like 5 percent back. Everything outside the bonus list earns a 1x base rate.

In a small wallet, treat it as the specialist. The 2x on gas is a useful secondary rate, but the 1x base means the rest of your spending deserves a different card. Pair it with a flat-rate card as the floor, and reserve the Ink Business Cash for phone, internet, office supplies, and gas.

The math

Run $150 a month of phone & internet through this card and you're earning about $90 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1x base rate is pure upside.

Where it lands in our rankings: #1 for phone & internet · #1 for office supplies

Store bonuses

• Lyft5x

Common questions

Does Ink Business Cash Credit Card have an annual fee?

No — Ink Business Cash Credit Card has no annual fee.

What does Ink Business Cash Credit Card earn on phone & internet?

5x on phone & internet (up to $25,000/anniversary yr (combined)).

What rewards does Ink Business Cash Credit Card earn on everything else?

1x on all other purchases, in Chase Ultimate Rewards.

How does the $25,000 cap on the Ink Business Cash work?

The cap is combined, not per category: phone and internet spending and office supplies spending count against the same $25,000 per account anniversary year — it resets on your account anniversary, not on January 1 — and the 5x rate applies only up to that limit. The 2% gas and dining group runs on its own separate $25,000 anniversary-year pool. If your business runs heavy bills in these categories, track them together and plan where the next dollar goes once you approach a ceiling.

Are Chase Ultimate Rewards points from the Ink Business Cash worth a full cent?

SwipeCaddy values Chase Ultimate Rewards points at one cent each for ranking purposes. At that rate, the 5x categories on the Ink Business Cash work like 5 percent back and the 2x on gas like 2 percent. When comparing against a cash-back card, use those percentages instead of the multipliers alone.

Related reading

• How we value points and miles (and why our numbers are lower than everyone else's)SwipeCaddy ranks cards by reward rate × a conservative cash value per point: 1¢ for cash back and transferable points (Chase, Amex, Citi, Capital One, Bilt), 1.1–1.3¢ for airline miles, 0.4–1.4¢ for hotel points, and 0.8–0.9¢ for store currencies. Optimistic transfer values are recorded for context but never ranked, because most people never achieve them.