Costs & Pricing

Metric	Ink Business Cash® Credit Card	Marriott Bonvoy Business® American Express® Card
Annual fee	$0	$125 (no first-year waiver published)
Employee card fee	$0	$0; up to 99 Employee Cards
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)	Prime + 12.74% to Prime + 21.74% (marketing 19.49%–28.49% variable at Prime 6.75% as of 1–2 Sep 2026). Placement by creditworthiness at opening. No intro APR.
Intro APR (purchases)	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)	Not offered
Foreign transaction fee	3%	$0
Late payment fee	$40	Up to $39; will not exceed Minimum Payment Due

Rewards & Value

Metric	Ink Business Cash® Credit Card	Marriott Bonvoy Business® American Express® Card
Base earn rate	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)	2 Marriott Bonvoy points per $1 on other eligible purchases (no published cap). Card-side points only — Marriott member-stay points are a program overlay, not a card rate.
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)	Up to 125,000 Bonvoy bonus points: 75,000 after $6,000 eligible purchases + 50,000 after an additional $3,000 ($9,000 total) within the first 6 months of Card Membership (live public offer, 3 Sep 2026). Rotates — 3+2 Free Night Awards have appeared in other cycles. Offer end date not printed on the Business page.
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.	Issuer does not publish a cent value. Do not invent one. Industry write-ups often use ~0.6–0.9¢ on paid-night replacement; airline transfers often lower. Do not assume 1¢.
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.	Marriott Bonvoy airline partners at ~3:1 (not Membership Rewards). Not transferable to Amex MR.

Credit & Eligibility

Metric	Ink Business Cash® Credit Card	Marriott Bonvoy Business® American Express® Card
Personal guarantee	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business	Required in substance. CMA: Basic Cardmember and Company jointly and severally liable for all charges, including Employee Card use.
Credit check	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)	No personal-score impact to learn if approved. Personal score may be impacted if approved and the Card is accepted. Business credit may be impacted on submit.
Employee cards	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.	Up to 99 at $0 AF. Spend limits, merchant-type limits, real-time alerts, freeze/unfreeze, account graphs. Liability remains on Basic Cardmember + Company.
Product type	Revolving business credit card	Revolving business credit card (not a charge card; not a spend-management / net-terms product)

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

Marriott Bonvoy Business® American Express® Card

Pros

• $125 fee with an automatic annual Free Night (≤35,000 points) that can exceed the fee if redeemed against a high cash rate
• Complimentary Gold Elite + 15 ENCs without 25 paid nights
• 4X on four real small-business categories (worldwide restaurants, U.S. gas, U.S. wireless, U.S. shipping) with no published cap
• Up to 99 employee cards at $0 with limits and alerts; $0 FTF
• Apply-to-decision path that does not hit personal credit unless the Card is accepted

Cons

• $125 fee with no statement-credit offset; 35k Free Night cap plus dynamic pricing and resort fees
• Points are Marriott-locked; airline transfers are 3:1
• Purchase APR 19.49%–28.49% variable and no 0% intro — a poor revolver
• Personal / joint-and-several liability
• No lounge access, no Global Entry/TSA credit, thin trip-insurance stack vs premium Amex business cards

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.

Marriott Bonvoy Business® American Express® Card

This is the live U.S. Marriott business cobrand — not Bevy/Brilliant, not Chase Marriott Business (closed to new applicants), and not the Canadian $150 / 5X/3X/2X card. It pays when the firm actually sleeps Marriott and uses the Free Night. A hotel-agnostic shopper should use Ink Preferred, Business Gold, or a $0 2% cash card instead. Do not put Bonvoy member-stay points in the card earn column.