Costs & Pricing

Metric	Ink Business Cash® Credit Card	Local/Regional Credit Union Business Cards
Annual fee	$0	CATEGORY: Often $0; some charge $15–$25 waived with spend — confirm Schumer, not marketing. EXAMPLE A BECU Low Rate and Cash Back: None (rates PDF 1 Sep 2026). EXAMPLE B NFCU GO BIZ: None.
Employee card fee	$0	CATEGORY: Usually $0; some premium tiers charge per extra card after N cards. EXAMPLE A BECU: not disclosed as a dollar fee; employee cards offered with spend-limit controls. EXAMPLE B NFCU: offered; dollar fee not disclosed publicly.
Purchase APR	16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)	CATEGORY: Variable, Prime + margin, often ~11%–29%. EXAMPLE A BECU Low Rate: 14.49%–26.49% variable (WSJ Prime + 7.74%–22.24%), rates PDF 1 Sep 2026. EXAMPLE A Cash Back: 16.99%–28.99% variable (same Prime + margin method). EXAMPLE B NFCU: 16.65%–18.00% variable as of 1 Jul 2026 product footnote; will not exceed 18.00% (agreement); adjusted quarterly off Prime. FAQ also printed 16.90%–18.00% as of 1 Dec 2025 — use 1 Jul 2026 footnote unless a newer PDF is issued. Illustrative: CU1 (AK) 10.25% (Prime + 3.50%) as of 3 Apr 2026; SDCCU 11.74% (Prime + 4.99%, floor 9.99%) effective 30 May 2026.
Intro APR (purchases)	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)	CATEGORY: Common on some local CUs (6 months typical); not universal. EXAMPLE A BECU: not offered. EXAMPLE B NFCU GO BIZ: not offered.
Foreign transaction fee	3%	CATEGORY: Split — many advertise $0; others 1–3%. Official rates table wins. EXAMPLE A BECU: None (rates PDF). EXAMPLE B NFCU: None. Illustrative SDCCU: 3%.
Late payment fee	$40	CATEGORY: Often $20–$35. EXAMPLE A BECU: $25. EXAMPLE B NFCU: $20 if min payment missed (can assess each month past due). Illustrative CU1: $30; SDCCU: $25.

Rewards & Value

Metric	Ink Business Cash® Credit Card	Local/Regional Credit Union Business Cards
Base earn rate	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)	CATEGORY: Most CU business cards are flat 1%–1.5% cash back or 1 point per $1 (≈1¢). Category bonuses uncommon. EXAMPLE A BECU Low Rate: no rewards (APR positioning). EXAMPLE A Cash Back: 1.5% on qualified purchases, no category caps. EXAMPLE B NFCU GO BIZ: 1X = 1 point per $1 eligible purchases; unlimited; no category bonuses; cash redemption 1¢/point (= 1%).
Welcome bonus	$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)	CATEGORY: Modest ($100–$300 or 2,500–25,000 points) or none. EXAMPLE A BECU Cash Back (time-limited): $300 statement credit after $3,000 qualifying purchases in first 3 months; offer now through 30 September 2026. Not available to current cardholders of this card; prior holders who received this bonus in last 12 months; current Business Credit Card holders who switch to Cash Back; anyone who opened a different Business Cash Back account in previous 12 months. EXAMPLE A Low Rate: no published welcome bonus. EXAMPLE B NFCU GO BIZ: none on current public page as of 3 Sep 2026. Do not import Cash Preferred / consumer GO REWARDS bonuses.
Redemption value	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.	CATEGORY: Statement credit (auto monthly/quarterly) or points catalog; transfer partners generally not offered. EXAMPLE A Cash Back: accrued cash automatically credited to statement each month; no portal / transfer partners. EXAMPLE B NFCU: every 1 point worth $0.01 when redeemed for cash; catalog illustrations exist — treat cash at 1¢ as contractual floor. Visa SavingsEdge on Visa GO BIZ is a merchant-discount program, not card earn rate.
Transfer partners	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.	Generally not offered on CU business cards. Do not import consumer Flagship / GO REWARDS transfer or lounge perks onto GO BIZ.

Credit & Eligibility

Metric	Ink Business Cash® Credit Card	Local/Regional Credit Union Business Cards
Personal guarantee	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business	CATEGORY: Typical Yes. EXAMPLE B NFCU: Yes, we require personal guarantees for all business lending products; guarantor must be an NFCU member. EXAMPLE A BECU: not disclosed on product/eligibility pages — Unclear, read signed agreement; CU lending almost always includes owner liability.
Credit check	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)	CATEGORY: Hard pull on owners/guarantors is standard. EXAMPLE B NFCU: Experian on owners and/or guarantors; business credit potentially including the credit profiles of the business. EXAMPLE A BECU: subject to membership and credit approval; hard vs soft not disclosed for the card (do not import consumer membership soft-pull language).
Employee cards	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.	CATEGORY: Common with per-card limits; not Ramp-class software. EXAMPLE A BECU: yes; individual spending limits; number allowed not disclosed. EXAMPLE B NFCU: yes; count/fee/controls beyond multiple cardholders not fully disclosed; one GO BIZ per business membership, up to 2 total if multiple business memberships.
Product type	Revolving business credit card	CATEGORY: Revolving business credit cards. Not charge cards. Not NPSL commercial charge products. Not spend-management platforms. EXAMPLE A: BECU Business Low Rate Credit Card and BECU Business Cash Back Credit Card (two named variants). EXAMPLE B: GO BIZ® Rewards Credit Card (one product, Visa or Mastercard plastic).

Pros & Cons

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

Local/Regional Credit Union Business Cards

Pros

• Annual fee is frequently $0 (BECU, NFCU, CU1, many others)
• APR can undercut big-bank business cards when the CU posts Prime + a small margin (CU1 10.25% as of 3 Apr 2026; BECU Low Rate from 14.49% as of 1 Sep 2026; NFCU capped at 18%)
• FTF often $0 (BECU, NFCU; not universal — SDCCU 3%)
• Employee cards with per-user limits without per-card annual fees (BECU, NFCU)
• Visa/Mastercard Business insurance package on BECU’s posted guide; relationship model — membership + deposits can be the real product

Cons

• Field of membership is a hard gate (BECU geo/association; NFCU military/DoD + all owners must be members)
• Rewards are simple and low vs national business cards (1–1.5%; no transfer partners)
• Limits are modest (NFCU $5k–$25k official; others often unpublished and relationship-sized)
• Personal guarantee is the CU default (NFCU explicit); public Schumer data is uneven — BECU marketing vs PDF conflicts on overlimit and penalty APR
• Expense-ops tooling (virtual cards, QBO-native codes, approvals) is absent

Verdict

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.

Local/Regional Credit Union Business Cards

This is a CATEGORY PATTERN, not one SKU. EXAMPLE A BECU splits Low Rate (revolve) vs Cash Back (1.5% + $300 through 30 Sep 2026 if paid in full). EXAMPLE B NFCU GO BIZ is a members-only 1% points card capped at $25k with an 18% APR ceiling and explicit PG. Do not average CU terms into a national figure; collect each CU’s Schumer, FOM, PG sentence, and rewards PDF. Poor fit without FOM access or if you need Ink/Amex earn, NPSL limits, or Ramp-class ops.