Card database → Discover it Cash Back vs Chase Ink Business Cash
Discover it Cash Back vs Chase Ink Business Cash
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | Discover it Cash Back | Chase Ink Business Cash |
|---|---|---|
| Dining | 1.0¢/$ (1x) | 2.0¢/$ (2%) |
| Groceries | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Gas | 1.0¢/$ (1x) | 2.0¢/$ (2%) |
| Travel | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Flights | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Hotels | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Streaming | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Online retail | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Office supply | 1.0¢/$ (1x) | 5.0¢/$ (5%) |
| Internet and cable | 1.0¢/$ (1x) | 5.0¢/$ (5%) |
| Cell phone plans | 1.0¢/$ (1x) | 5.0¢/$ (5%) |
| Rideshare | 1.0¢/$ (1x) | 1.0¢/$ (1%) 5% at Lyft only — not counted |
| Everything else | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Annual fee | None | None |
| Statement credits (max/yr) | — | $240 |
| Foreign transaction fee | None | 3% |
| Signup bonus | — | 100,000 after $8,000/4mo |
| Offer last confirmed | — | 2026-09-14 |
Chase Ink Business Cash wins more of the everyday categories (5 of 13), but Discover it Cash Back still wins where you might spend most — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Discover cash back at 1.00¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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