Card economics
Chase Ink Business Cash
Annual fee
No annual fee
Foreign transaction fee
3%
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Everything else | 1xBase rate |
Special rules
5% office supply / internet / cable / phone
5x automatic: Office Supply Stores, Internet / cable, Wireless / cell phone. Shared cap: $25,000/year. Non-bonus spend earns 1x.
2% gas stations / restaurants
2x automatic: Gas stations (excluding Costco Gas), Dining, Fast Food. Shared cap: $25,000/year. Non-bonus spend earns 1x.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$0/yr
Credits
-$0
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$0
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $240/yr ($20/mo) · monthly
3 months of complimentary Instacart+ membership plus a $20/month Instacart credit (auto-loaded), through 12/31/2027; membership renews at $99/yr after the free period.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Chase Ink Business Cash might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.