Chase · Visa
Ink Business Cash
Freelancers with telecom/internet expenses
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.
No annual fee up to $240/yr in credits if you use them
Why people consider it
- 5x on Utilities.
- 5x on Office.
- 2x on Dining.
Current welcome offer
Current: 75,000 points
Recent typical offer: 100,000 points
Current offer is 25% lower than recent typical offers.
Welcome offer: 75,000 points= $750
Requirement: Spend $6,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: $750 cash back (75,000 points) after $6,000 spend in 3 months — Chase's standard offer, no end date published; the $1,000 elevated offer ended 2026-09-17. Verified on the issuer page 2026-09-29.
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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Is this card worth it?
Ongoing value
$648/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,398 first year
Includes: +$750 welcome offer
$750 is one-time. $648/year is ongoing.
To earn the bonus: spend $6,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- 5x and 2x rates capped at $25k/yr per tier Requires a business (freelance/sole prop qualifies)
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Internet, cable & phone (first $25k/yr combined with office supply stores, then 1x)
Cap: $25,000/yr
Office supply stores (first $25k/yr combined with internet, cable & phone, then 1x)
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
Optional benefits and credits
Credits — if you use them
$20 in Instacart statement credits each month through 2027-12-31 while an Instacart+ membership is active (3 months complimentary, then $99/yr auto-renews) — enrollment required
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
Approval and bonus eligibility caveats
Recommended credit score: 680+ — the issuer decides every application.
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN).
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + No annual fee — keeps costs at zero
- + 5x on office supply stores + internet, cable & phone
- + 2x on dining and gas
- + $750 welcome bonus after $6k 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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.