Chase · Visa
Ink Business Cash
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
Annual Fee
$0
Sign-Up Bonus
$1,000
Current offer shown; issuer determines eligibility.
Spend $8,000 in 4mo
Terms apply.
Base Rate
1x
on everything
Best For
Freelancers with telecom/internet expenses
Sign-Up Bonus
Bonus: 100,000 points
Details: $1,000 cash back (100,000 points) after $8,000 spend in 4 months — elevated offer ending 2026-09-17 09:00 ET, after which Chase reverts to a $750 standard offer
Requirement: Spend $8,000 in 4 months
Estimated value: $1,000Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Office supply stores + internet, cable & phone (first $25k/yr combined)
Cap: $25,000/yr
Restaurants (first $25k/yr combined with gas, then 1x)
Cap: $25,000/yr
Gas stations (first $25k/yr combined with restaurants, then 1x)
Cap: $25,000/yr
Key Benefits
Perks (not counted in our math)
Add employee cards at no extra cost, set spending limits
New purchases covered against damage/theft for 120 days
Adds 1 year to eligible US manufacturer warranties
Pros & Cons
Pros
- + No annual fee — keeps costs at zero
- + 5x on office supply stores + internet, cable & phone
- + 2x on dining and gas
- + $1,000 welcome bonus after $8k spend
- + Points transfer to Sapphire cards to unlock 2¢+ value
Cons
- - 5x and 2x rates capped at $25k/yr per tier
- - Requires a business (freelance/sole prop qualifies)
- - 1x on most business expenses
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Recommended credit score: 680+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.