Business Advantage Customized Cash Rewards
$0-fee 3%/2%/1% business cash-back with a monthly-switchable category and a $50k combined bonus cap; up to 5.25%/3.5%/1.75% with Preferred Rewards for Business Platinum Honors
Ink Business Cash® Credit Card
No-annual-fee category cash-back: 5% office supplies + telecom (capped), 2% gas + dining (capped), 1% else, plus 12-month 0% intro APR on purchases
Costs & Pricing
| Metric | Business Advantage Customized Cash Rewards | Ink Business Cash® Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Employee card fee | $0 (no published cap on number) | $0 |
| Purchase APR | 16.74%–26.74% variable after intro (creditworthiness-based; Prime + margin not printed on marketing summary) | 16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box) |
| Intro APR (purchases) | 0% for 7 billing cycles, then 16.74%–26.74% variable | 0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies) |
| Foreign transaction fee | 3% | 3% |
| Late payment fee | Not disclosed on public product pages | $40 |
Rewards & Value
| Metric | Business Advantage Customized Cash Rewards | Ink Business Cash® Credit Card |
|---|---|---|
| Base earn rate | 1% on all other Net Purchases (PRFB can lift to 1.25%/1.50%/1.75%) | 1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited) |
| Welcome bonus | $500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026) | $1,000 bonus cash back after $8,000 purchases in the first 4 months (Chase labels this “OUR BEST OFFER EVER”; prior $750 struck through; posts 6–8 weeks after qualifying) |
| Redemption value | 1¢ per 1% (cash is cash). No travel portal, no transfer partners. | 1¢ per point for cash, gift cards, and Chase Travel. Other paths may be worth more or less. Do not assume transfer value unless paired with a transferable UR card. |
| Transfer partners | None | Not native. Points can be moved to another Ultimate Rewards card belonging to you, a household member, or a company owner. Airline/hotel transfers only after combining onto Ink Preferred, Sapphire Preferred/Reserve, or Sapphire Reserve for Business. |
Credit & Eligibility
| Metric | Business Advantage Customized Cash Rewards | Ink Business Cash® Credit Card |
|---|---|---|
| Personal guarantee | Required in substance — cards are backed by personal credit; owner/authorized officer applies | Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business |
| Credit check | Hard personal pull on applying owner/authorized officer (treat as hard unless a prequalification tool says otherwise — none advertised) | Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page) |
| Employee cards | Free; no published numeric cap; employee-transaction monitoring. Per-card sub-limits Unclear vs the separate CORP product. | Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool. |
| Product type | Revolving small-business credit card | Revolving business credit card |
Pros & Cons
Business Advantage Customized Cash Rewards
Pros
- $0 annual fee and $0 employee-card fees
- Monthly-switchable 3% category plus 2% dining (first $50k combined); PRFB can take choice to 5.25%
- Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
- Cash redeems to deposit, statement, or check; no expiration while open
- In good standing, issuer says the card stays off personal credit reports
Cons
- 3% foreign-transaction fee
- 3%/2% share one $50,000 calendar cap, then 1% (+ PRFB)
- Headline 'up to' rates require business checking and $20k–$100k combined balances
- Personal-credit underwriting and personal liability; not a no-PG startup card
- Intro APR is short and purchases-only; 5% BT fee with no 0% BT
Ink Business Cash® Credit Card
Pros
- $0 annual fee with 5%/2%/1% structure and a $1,000 / $8,000 / 4-month public bonus as of Sept 2026
- 12-month 0% intro APR on purchases (lost only if a minimum payment is missed)
- Employee cards $0; AU spend earns rewards and counts toward the bonus and category caps
- Cash back is Ultimate Rewards points and combinable with a transferable Chase card
- Primary business rental-car coverage up to $60,000 and solid purchase/extended-warranty terms for a no-fee card
Cons
- Bonus categories cap at $25k each per anniversary year, then 1%
- 3% foreign-transaction fee
- Base rate 1% loses to flat 1.5–2% cards outside the bonus buckets
- Personal guarantee + personal hard pull + commonly reported 5/24 filter
- Welcome bonus blocked if you ever had this card or another $0-AF Chase business card; no cell-phone protection, lounges, or TSA credit
Verdict
Business Advantage Customized Cash Rewards
Customized is the category SKU, not the flat 1.5% Unlimited card. It wins when gas, office supply, travel, telecom, computer services, or consulting plus dining stay under $50k combined. After the cap, or if you will not enroll in PRFB, Unlimited is usually simpler. Poor fit for foreign spend, ad-heavy businesses, or anyone who needs no personal guarantee.
Ink Business Cash® Credit Card
Ink Cash is the category SKU in the $0-AF Ink pair — not Unlimited (flat 1.5%) and not Preferred ($95, 3x ads/shipping/travel, $0 FTF, native transfers). It wins when office supplies and phone/internet/cable bills (plus some gas and dining) sit under two separate $25k anniversary caps. Pair it with Unlimited or Preferred rather than using it as an uncapped daily driver. Skip it for foreign spend, ad-heavy businesses, no-PG underwriting, or if a prior Ink Unlimited/Cash card already burned the $0-AF bonus.