5% on office supplies and telecom up to $25K combined.
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Good–Excellent credit — 670+ FICO typical; hard pull + personal guarantee
ClearValue Rating: 4.4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Office-based SMBs with heavy spend on supplies, internet, cable, or phone.
| Year 1 value | Ongoing value |
|---|---|
| $750 welcome bonus + 0% intro APR for 12 months | 5% on office supplies + telecom (up to $25K/yr), 2% gas + dining, 1% elsewhere — no annual fee |
| Welcome spend: $6K in first 3 months | |
Chase Ink Business Cash — 5% on office supplies and telecom up to $25K combined. Best for: Office-based SMBs with heavy spend on supplies, internet, cable, or phone.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The 5% applies to office supply stores and internet, cable, and phone services — combined up to $25,000 per year. After the cap, those categories drop to 1%. The card also earns 2% on gas stations and restaurants up to a separate cap. Verify the current category definitions at the Chase issuer page before applying.
It depends on where you spend. If your business has significant monthly spend on office supplies, internet, cable, or phone, the 5% categories earn faster than Unlimited's flat 1.5%. If your spend is spread broadly across categories, Ink Unlimited's flat rate wins. Many businesses hold both: Cash for the 5% categories, Unlimited for everything else.
No — the annual fee is $0. It also comes with a 12-month 0% intro APR on purchases. A personal guarantee and hard credit pull are required at application.
Yes, and it's a common strategy. Holding Ink Business Cash alongside the Chase Ink Business Unlimited lets you earn 5% in the high-rate categories on Cash and 1.5% on all other spend with Unlimited. If you also hold a Chase Sapphire card, points can be pooled and transferred to travel partners.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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