Ink Business Cash® Credit Card

This is an amazing welcome offer for a no-annual-fee card. The Ink Business Cash is advertised as a cash-back card, but it actually earns Chase Ultimate Rewards Points. This incredible perk only holds true if you have another Chase card, like the Chase Sapphire Preferred or the Sapphire Reserve, that allows you to transfer points to travel partners. So, if you’re pairing this Ink Business card with a Chase Sapphire one, you could combine your points from both cards and transfer them to book travel directly with partners like Emirates, Jet Blue, and Hyatt (among others!).

Now if you don't have a card that allows you to transfer points, you can redeem 90,000 points for a $900 statement credit which is still an amazing deal on a card with NO annual fee. Something else you'll want to be aware of is this card earns 5x points at office supply stores (for the first $25,000 spent each account anniversary year). While shopping at Staples or Office Depot might not be something you normally get excited about, this is a great perk!

Office supply stores carry gift cards galore. You can easily earn 5x points on purchases that would normally only earn you 1x. Planning a large purchase like an appliance or new furniture at a store that only gives you 1x points? Grab a gift card at the office supply store to cover that purchase, and you'll earn 5x points instead of 1x.

• 5% cash-back per $1 (or 5X points) on the first $25,000 spent in combined purchases each account anniversary year at office supply stores, internet, cable, and phone services
• 5% cash-back per $1 (or 5X points) on Lyft rides through March 2025
• 2% cash-back per $1 (or 2X points) on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants
• 1% cash-back per $1 (or 1X points) on all other purchases

• No annual fee
• 5% cash back on office supplies and telecom services and 2% at restaurants and gas stations, up to a limit
• Generous new cardholder bonus offer

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• Foreign transaction fee of 3%
• Low rates apart from its bonus categories
• Spending limits on bonus rewards

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