Chase Freedom Flex vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Flex wins 1-0. No-fee rotating cashback for category optimizers. Chase Ink Business Cash is still the right call if no-fee small-business card — 5% on office supplies, internet, cable..
Side-by-side
| Criterion | Chase Freedom Flex | Chase Ink Business Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cashback after $500 spend in first 3 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
Chase Freedom Flex
- 5% rotating quarterly bonus categories (up to $1,500/quarter)
- 5% on travel via Chase Ultimate Rewards
- 3% on dining + drugstores
- 1% on everything else
- No annual fee
- 0% intro APR for 15 months
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Chase Freedom Flex vs Chase Ink Business Cash: which is better?
Chase Freedom Flex wins on more dimensions (1 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Flex for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Freedom Flex: $200 cashback after $500 spend in first 3 months. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.