Card economics
Chase Ink Business Cash
Annual fee
No annual fee
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Earn rates
| Category | Rate |
|---|---|
| Everything else | 1xBase rate |
Spending caps
| Category | Bonus rate | Annual cap |
|---|---|---|
| Gas / EV | 2x | $25,000/yrThen 1x |
| Dining | 2x | $25,000/yrThen 1x |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Category selection rules
5% office supplies / internet / phone
Choose up to 2 categories for the bonus rate
Cap: $25,000/year | Non-selected categories earn 1x
The optimizer automatically selects the best categories based on your spending.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Chase Ink Business Cash might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
Run the optimizer — free