Chase Ink Business Cash Review: 5% cash back for established businesses


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Our take: The cash back rate on the Ink Business Cash® Credit Card is unmatched, especially with no annual fee. Business owners who spend a lot of money in this card’s bonus categories will find a lot to like about it.

Additionally, there is a promotional offer of 0% introductory APR for 12 months from account opening (thereafter, the variable APR will be 18.49%–24.49%), ideal for those who need financing to purchase office equipment or supplies but don’t want to purchase Office equipment or supplies for people.

Ink Business Cash® Credit Card

Introductory bonus

Earn $350 when you spend $3,000 on purchases within the first three months after account opening, and earn an additional $400 when you spend $6,000 on purchases within the first six months after account opening.





annual fee $0
regular annual interest rate 18.49%–24.49% variable


Chase Ink Business Cash: Overview

For those with good credit, the Chase Ink Business Cash® Credit Card may be a useful credit card for paying business expenses. It offers up to 5% cash back on common business spending categories like internet services, and you can get additional cards for your employees for free.

Despite the $0 annual fee, the Chase Ink Business Cash Card has some valuable added benefits. For example, if you have to travel for work, the card includes benefits like car rental collision damage waiver. You also get extended warranty protection with your purchase.

The downside? The card charges a foreign transaction fee, so this can be an expensive disadvantage if you travel abroad for work. If your travels tend to be overseas, using another card with no foreign transaction fees, such as the United Business Card or the American Express Gold Card, may be a better option.

Chase Ink Business Cash: Rewards

With the Chase Ink Business Cash Card, you’ll earn 5% cash back on the first $25,000 you spend on select categories of combined purchases each year. Eligible categories include:

  • office supply store
  • Internet, cable and phone services

You’ll also earn 2% cash back on your first $25,000 in combined gas and restaurant purchases each account anniversary year. For all other purchases, you’ll earn 1% cash back.

For a limited time, card members can also earn 5% cash back on Lyft rides through March 2025.

Does the Chase Ink Business Cash Card offer bonuses?

As a new Chase Ink Business Cash card member, you can earn $350 when you spend $3,000 in purchases within the first 3 months of account opening, and you can earn an additional $400 when you spend $6,000 in purchases within the first 6 months of account opening.

How to Redeem Chase Ink Business Cash Rewards

When you use the Chase Ink Business Cash Card to earn rewards, you can redeem them in the following ways:

gift card

Through the Chase Ultimate Rewards platform, you can redeem your points for gift cards from major retailers, including office supply and electronics stores. Each point is worth one cent when you redeem it for gift card rewards. However, some retailers, such as Staples, offer added value; for example, you can get a $15 Staples gift card for just 1,350 points.

Pay with points

At retailers like Amazon or Apple, you can redeem points at checkout to pay for part or all of your purchase. But this redemption method reduces the value of your points; each point is worth $0.008, so 100 points will give you 80 cents in redemption value.

Statement of Credit and Electronic Deposits

You can redeem your points for statement credits to reduce your credit card bill or request electronic deposit into a checking or savings account.

travel

Redeem points with Chase Ultimate Rewards to book business travel, including flights or hotel stays.

Transfer to another card

If you have another eligible Chase card, you can transfer your points to that card. Transferring points can be advantageous because certain cards offer higher redemption values ​​when you book travel through Chase Ultimate Rewards. For example, when you redeem points with the Chase Ink Business Preferred Card, the rewards you redeem through Chase Ultimate Rewards are worth 25% more.

extra benefits

For a business credit card with no annual fee, the Chase Ink Business Cash® Credit Card offers some valuable benefits:

  • Free employee card: You can get additional cards for employees for free and set spending limits for each card.
  • Car Rental Collision Damage Waiver: If you’re traveling for work and need to rent a car, this benefit provides coverage for theft or collision damage as long as you use the card to pay for the rental and decline the rental company’s insurance.
  • Travel and Emergency Assistance: If you are traveling outside the United States and become ill or experience other emergencies, the Travel and Emergency Assistance Hotline can refer you to medical and legal services. However, you are responsible for the cost of any services provided.
  • Roadside dispatch: If your car breaks down, you can use roadside dispatch benefits to get towing service, gas delivery, or tire replacement. However, you are responsible for the cost of any services provided.
  • Purchase protection: Use your card when purchasing equipment or supplies, and your purchase is covered against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection: For products with a warranty period of three years or less, the extended warranty benefit extends the product’s warranty period by one year.

Is the Chase Ink Business Cash Card right for you?

Although it has a $0 annual fee, the Chase Ink Business Cash® Credit Card is best for business owners with established businesses and relatively high fees. You need to spend at least $3,000 in the first three months to qualify for the bonus, which may be too high for a freelancer or micro-business. Plus, you’ll only earn 5% cash back on the first $25,000 in combined purchases at office supply stores and Internet, cable and phone service each account anniversary year, so smaller companies may get less value. Low.

However, established companies with multiple employees can take advantage of the card’s higher cash back rate, and employees can get additional cards for free, helping your business earn rewards faster. This card offers real benefits like extended warranty protection, so if you’re buying expensive office equipment or electronics, it might be a smart choice.

Credit cards like Chase Ink Business Cash

The Chase Ink Business Cash Card may only be suitable for certain business owners. Depending on the size of your business, income and spending habits, the following cards may be a better fit:

American Express Blue Business Plus and Chase Ink Business Cash

For small business owners, freelancers, and entrepreneurs, The Blue Business® Plus Credit Card from American Express may be a better fit than the Chase Ink Business Cash Card. It has no annual fee and earns 2x Membership Rewards points on the first $50,000 of daily business purchases per year (and 1x points on every $1 of purchases thereafter).

This card is best for those who don’t need to travel for work, as it doesn’t offer common credit card benefits like travel insurance. But it does come with perks like an extended warranty and purchase protection.

To view rates and fees for the American Express Blue Business® Plus Credit Card, see this page.

Capital One Spark 1.5% Cash Option vs. Chase Ink Business Cash

Business owners who value simplicity and ease may prefer the Capital One Spark Cash Select for Excellent Credit over the Chase Ink Business Cash Card. It has no annual fee and you can earn unlimited 1.5% cash back on every purchase. In addition, you can earn 5% cash back on hotel and car rentals through Capital One. There are no foreign transaction fees for this card, and you can get additional cards for employees for free.

Frequently asked questions

How much does the Ink Business Cash Card cost?

The Chase Ink Business Cash Card has a $0 annual fee, so there’s no charge to add this card to your wallet.

What is the credit limit of the Ink Business Cash Card?

The card’s credit limit depends on you and your business’s credit history, but the minimum limit is $3,000. Some cards have limits as high as $25,000, but higher limits may require additional information.

What credit score is required for the Ink Business Cash Card?

When you apply for the Ink Business Cash Card, Chase will review your business and personal credit history. You generally need good to excellent credit to qualify, so you may need a score of 670 or higher to get approved.


Fortune Recommends™ partners with CardRatings to cover credit card products. Fortune Recommends™ and CardRatings may receive commissions from card issuers.

Please note that card details are accurate as of the date of publication, but may be changed by the card issuer at any time. Before applying, contact your card issuer to verify rates, fees and benefits.

Terms apply to American Express card offers and offers. Certain American Express offers and offers may require registration. Please visit americanexpress.com for more information.

Eligibility and benefit levels vary by card. Terms, conditions and restrictions apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by American Express Insurance Company.



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