Cash Back Calculator: Chase Ink Business Cash

The Chase Ink Business Cash card is one of the best cash back business cards available. Calculate rewards based on spend and compare against top cards.

The Chase Ink Business Cash® Credit Card is one of the best cash back business credit cards as well as best Chase business credit cards. It earns a whopping 5% back on up to $25,000 in spend per year between Internet, cable, phone, and office supply store purchases and 2% back on up to $25,000 in spend per year between restaurant and gas station purchases. Cash back earned with the card is recorded as points which are worth 1 cent each when redeemed for cash back, but can be worth a significant amount more if you have an Ultimate Rewards credit card tied to the same account.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Chase Ink Business Cash Card features a total of seven categories that earn bonus cash back. The categories of Internet, cable, phone, and office supply stores earn 5% back while the categories of restaurant and gas station earns 2% back. The 5% categories have an annual cap of $25,000 in spend per year and the 2% categories have their own annual cap of $25,000 in spend per year. When you hit the cap, you'll earn at the non-category rate of 1% back for the remainder of the calendar year. There's no limit to the amount of cash back you can earn with the Chase Ink Business Cash Card overall.

The Chase Ink Business Cash Card also features Lyft as a 5% bonus category. There is no cap on the amount of bonus cash back you can earn spending with Lyft. This is a temporary category as part of the Chase-Lyft partnership which is planned to exist until early 2022.

  • 5% Internet
  • 5% Cable
    • Includes satellite television.
  • 5% Phone
    • Includes:
      • Radio
      • Cellular
      • Wireless Data
      • Landline Services
  • 5% Office Supply Stores
  • 5% Lyft
  • 2% Restaurant
  • 2% Gas Station
  • 1% Non-Category

Perks & Benefits

The Chase Ink Business Cash Card does not have any benefits specific to the card itself. It offers your standard handful of Chase credit card benefits found on most of their cards.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or prequalifed offers, on cards you're more likely to qualify for. You never know what great offers you might receive!


Is the Chase Ink Business Cash Card good?

Yes. It's one of the best no-annual fee business credit cards for small businesses looking to earn valuable rewards.

Which Chase Business card is the best?

This all depends on what categories your business spends the most in. You can use the calculator on our Best Chase Business Credit Cards page to find out which is best based on your spend, card benefits, and annual fees.

What bonus categories are on the Chase Ink Business Cash Card?

The card has a total of six bonus categories. You can earn 5% back on Internet, cable, phone, and office supply stores purchases and 2% back on restaurant and gas station purchases.

What benefits are offered on the Chase Ink Business Cash Card?

The Chase Ink Business Cash Card benefits such as auto rental collision damage waiver, roadside dispatch, purchase protection, and extended warranty protection.

Does the Chase Ink Business Cash Card have good offers?

The card typically offers between $500 and $750 back as a welcome bonus which can also be redeemed as 50,000 to 75,000 Ultimate Rewards Points. I recommend checking out all available offers for top business cards.

Updated 2021-04-01 By Robert Flowers III

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