Bottom Line

Since you can turn your cash-back into Ultimate Rewards -- and to get 5x points by using it on purchases like phone, cable/internet and office supplies -- this is a nice no-fee option. It's a no-brainer for the easy sign-up bonus, and the aforementioned spend categories. Your points can be transferred to another Chase card, giving you more purchasing power through the Chase Travel Portal (up to 50% more if you have the Chase Sapphire Reserve card).

Why You Might Want This Card

Great Multipliers Gets You Lots Of Chase Rewards... With No Annual Fee

The sign-up bonus is really nice because you can get the cold, hard cash ($750). Or you can pair your 75,000 points with a Chase card that earns Ultimate Reward Points and actually double the cash value of your sign-up bonus. (Of course, we recommend the latter -- especially if you have either the Sapphire Reserve or Preferred card). The spend category multipliers are the real difference maker on this card. Phone, internet, TV and office supplies give you a whopping 5% back. Since the Ink Business Cash doesn't charge an annual fee, it's a perfect card to put on auto-pay for your phone and cable/internet bills, and then whip it out for your office supply purchases. Easy 5% back in your wallet.

9x on Amazon, Apple and Home Depot

The office supply category in particular can be of value on gift cards purchased from Staples to big retailers like Amazon, Home Depot, and Apple. You will essentially be earning 9 cents back per dollar on your next big purchase from stores not usually found with multipliers even close. Check out our Chase Ultimate Rewards page for more details on how to best use Chase Points. The 0% APR is good for purchases and balance transfers in the first 12 months. But pay everything down or you will get hit hard when the 13th month comes around. Don't carry this card with you abroad because there are better cards for international traveling.

Exceptions To The Rule

About Chase Ultimate Rewards

Chase Ultimate Rewards are aptly named -- as they are the “gold standard” of points. But most people barely scratch the surface in redeeming these points. Here’s what makes them so valuable:

1. Accumulating points is relatively easy with the variety of cards Chase offers, especially their business cards.
2. The points are worth a lot... if you have the Reserve Card (why you should). Your points are worth a minimum of 1.5 cents each, and often more with transfer partners.
3. Chase has the best values in transfer partners, with Hyatt, United, and Southwest being the top three.
4. Chase points are easy to use. The Ultimate Rewards portal is intuitively built for booking travel directly through their portal with points. Or easily transferring those points to partners.
5. You can transfer your points with your partner, so long as you share the same address.

The key to maximizing value, though, is how you use those points. Think of Chase Ultimate Rewards as your most easily convertible points. And all other point systems are great, but not nearly as flexible.

How does that affect you in practical terms? If Chase is your hub, you and your partner should also get the Hyatt card, United card, and Southwest card(s) over a year. Let’s say you and your partner have two Chase cards, plus one of each of the other cards. Here is an example of how you can use them:

• Trip One:
  • On Hyatt’s site, use 60,000 Hyatt points topped off with a 20,000 Chase point transfer for 4 nights at the all-inclusive at Zilarra Cancun.
  • On Southwest’s site, book two flights to Cancun free using your Southwest Points (topped of with a Chase points transfer as needed)
• Trip Two:
  • On United’s site, book two round trip tickets to any European city for 60,000 United miles each, top off with Chase Points as needed
  • Book hotels on Hyatt’s site using additional Chase transfers as needed. Since you can transfer between Partners, they can be either person’s account to start.

That is just a pair of examples, but it’s a very real scenario. Most people are happy to just use the points to book a free flight or two through the portal. The reality is you can make entire vacations nearly free.

Amex and Citi have similar systems, but the points are more limited in how many you can earn. Also, the value of the transfer partners and the quality of their portals isn’t as good. That’s not to say you shouldn’t be happy when you find those points. We’re just saying all else being equal, we’ll take (or save on using) Chase Ultimate Rewards Points over any other point system.

It’s also worth noting you can’t transfer points back from partners, so never transfer until the actual time of booking. The transfers are usually instantaneous (you might have to log out and log back in to the partner site).

Where Chase Ink Business Cash Fits In This Point Ecosystem

Personal Experience