Who it's for
Cash backNo annual fee
Chase Ink Business Cash
The best business card for any self-employed user, freelancer, or side-hustler. Pair with personal Sapphire to convert "cash back" into transferable points worth 1.5-2x in redemption. The office supply 5% category includes gift cards to other stores — a popular maximization technique.
$968/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 13 transfer partners
- 5% cash back at office supply stores (Staples, Office Depot, including third-party gift cards)
- 5% on internet, cable, and phone services
- 5% bonus categories combined cap of $25,000/year (then 1%)
- 2% at gas stations and restaurants (combined cap of $25,000/year, then 1%)
- 1% on everything else
- No annual fee
- Earns Chase Ultimate Rewards points — when paired with a Sapphire Preferred or Reserve, points become transferable to all 14 Chase partners
- 0% intro APR for 12 months on purchases
- Even W-2 employees can qualify with side income (rideshare, freelance, eBay reselling)
Transfer partners
United MileagePlusWorld of HyattMarriott BonvoyIHG One RewardsSingapore KrisFlyerAir Canada AeroplanAir France-KLM Flying BlueBritish Airways AviosIberia PlusAer Lingus AerClubSouthwest Rapid RewardsEmirates SkywardsVirgin Atlantic Flying Club
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