Chase Ink Business Cash vs Ramp Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Cash and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 8.2/10).
| Scored on | Chase Ink Business Cash | Ramp Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 10 | 10 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual fee | $0 | — |
| Foreign transaction fee | 3% | — |
| Purchase APR | 18.49% - 24.49% variable | — |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $0 |
| Foreign Transaction Fee | — | None |
| Additional Employee Cards | — | $0 |
| Late Payment Fee | — | Varies by contract |
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, Chase Ink Business Cash or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 8.2/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Who should skip Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.