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Ink Business Cash Credit Card – Full Review [2023]

Name: Ink Business Cash Credit Card – Full Review [2023]
Item: Ink Business Cash Credit Card
Rating: 4.58
Author: Jarrod West

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"A New Small Business Owner’s Best Friend"

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More (at Chase's secure site)

Jarrod West

- Updated: February 11, 2023|

3Comments

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee and 0% intro APR on purchases for 12 months; variable 17.49% – 23.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection
0% intro APR on purchases for 12 months; variable 17.49% – 23.49% thereafter
Employee cards at no additional cost
No annual fee

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories
3% foreign transaction fees

Ink Business Cash Card — Snapshot

Welcome Bonus & Info (Partner Content)
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Card Categories:
Rewards Center
Chase Ultimate Rewards
Customer Service Number
800-935-9935 (Available 24/7)
Login Link
http://www.chase.com
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Great Card If

Your business spend falls within the bonus categories
You want a card that earns flexible rewards
You want a card that keeps you covered with travel insurance and purchase protection
You want a card with no annual fee

Don't Get If

You want a credit card that earns travel rewards, benefits, and perks
Your business spend primarily falls outside of the bonus categories

Ink Business Cash Card — Fees

Annual Fee
- $0
Foreign Transaction Fees
3% of each transaction in U.S. dollars
Interest Rates
- 0% intro APR on purchases for 12 months; 17.49% - 23.49% variable thereafter.
Late fees
- Penalty APR: Up to 29.99% variable
Balance Transfers
- 17.49% - 23.49% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 29.24% Variable
- Fee: Either $15 or 5% of the amount of each transaction, whichever is greater.

Ink Business Cash Card - Is It Worth It?

Two women working together on laptop — Image Credit: Monkey Business Images

The Ink Business Cash card is well worth it for small business owners with expenses that fall within the 5% and 2% back categories. Keep in mind, though, that these returns are capped at $25,000 in combined purchases for each category. So if your business expenses are much larger, you may want to consider supplementing the Ink Business Cash card with additional rewards cards to further maximize your rewards.

However, if your business spend needs meet the $25,000 threshold for the 5% category, you could be earning, at minimum, $1,250 in cash-back each and every year, all from a card with no annual fee!

Ink Business Cash Top Benefits

No-Cost Employee Cards

If you have multiple employees, it can be a major hassle to have to pass 1 company card back and forth. Fortunately, the Ink Business Cash card allows you to add as many employee cards as you’d like, for no added cost.

Travel and Purchase Coverage

The Ink Business Cash card keeps your purchases covered with the following protections:

Purchase Protection: When you purchase an item with your card, it is covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Extended Warranty Coverage: Items that you purchase with your card, with warranties of 3 years or less, are extended by an additional year.
Rental Car Insurance: Secondary coverage that keeps you covered in the case of theft or damage to your rental car.

Best Ways To Earn and Redeem Your Chase Points

Business Owner — Image Credit: Dragon Images via Shutterstock

When you earn cash-back with your Ink Business Cash card, it comes in the form of Chase Ultimate Rewards points. But you should know that using your card isn’t the only way to earn lots of Chase Ultimate Rewards points!

You might think, since the Ink Business Cash is traditionally a cash-back card, that redeeming for cash-back is your only option — but that isn’t true!

In fact, if you pair your Ink Business Cash card with a card that has access to Chase transfer partners, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card, you’ll find that there are so many great ways to redeem your Chase Ultimate Rewards points for huge travel value!

Alternative to the Ink Business Cash Card

American Express Blue Business Cash™ Card

The Amex Blue Business Cash card offers 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash-back earned is automatically credited to your statement.

We’ve compared the Ink Business Cash card to some other popular cards:

For rates and fees of the American Express Blue Business Cash™ Card, click here.

Featured Image Credit: Chase

Frequently asked questions

Is the Ink Business Cash card a good card? Is it worth it?

We think that the card is good for anyone spending less than $25,000 per year on your card, and anyone who will utilize the other Chase cards to optimize their reward points.

Having a business line of credit is very beneficial to you, especially when starting up. When you’re in a pinch, a business cash advance also goes a long way.

To fully use the card to its potential, you could also get the Chase Sapphire Preferred card or Ink Business Preferred card.

Is the Ink Business Cash card a cash-back card?

Yes, technically the card is marketed as a cash-back card. You will earn 1% to 5% cash-back rewards on your purchases depending on the categories, which is usable as a statement credit:

Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash-back on all other card purchases with no limit to the amount you can earn

However, in practice, it works as a points card. The cash-back accumulates in Chase Ultimate Rewards as points. From there, you can spend the reward points in the online shopping portals to earn rewards or transfer them to another Chase card account.

What is the difference between the Chase Freedom Flex℠ Credit Card vs. the Ink Business Cash card?

While they are both cash-back cards, the main difference is where bonuses are offered. While the Freedom Flex card offers rotating 5% categories each quarter, the Ink Business Cash card allows you to earn 5% in select categories year-round.

The Freedom Flex card also limits your bonus earnings to the first $1,500 of each quarter’s categories, while the Ink Business Cash card allows you to get 5% all year in the same categories on up to $25,000.

After hitting either card’s limits, you will earn 1% cash-back going forward.

Finally, for Ink Business Cash cardholders, Chase offers free cards for employees, as well as tools to help manage and track your spending. You can add 1 authorized user on your Freedom Flex card.

Can the Ink Business Cash card use Ultimate Rewards?

Yes! You can transfer your cash-back in the Ultimate Rewards portal in order to utilize the Chase rewards available. Simply log in to your account, click on Ultimate Rewards, and you will see your points balance on the account.

Does the Ink Business Cash card provide travel rewards?

No. In order to get the travel rewards that Chase offers, you must have the Chase Sapphire Preferred Card, Chase Sapphire Reserve card, or Ink Business Preferred card.

With these, you are able to transfer the points you earn on any Chase Ultimate Rewards card to unlock the travel benefits.

What is the Ink Business Cash card foreign transaction fee?

There is a 3% foreign transaction fee.

What is the Ink Business Cash card login?

The login for is the same as other cards; use your Chase login.

Is the Ink Business Cash card free? What is the annual fee?

There is no annual fee for the card.

What are the benefits of the Ink Business Cash card?

First, you have the cash-back categories. Earn between 1% to 5% cash-back rewards in selected categories all year round on up to $25,000 in total spending in each of the different tiers (both 5% and 2%).

This cash-back is usable as a statement credit or in the Chase Ultimate Rewards portal.

Next, because it is a business credit card, Chase offers employees free cards. It also offers business apps and tools to help manage and track your spending.

Finally, the card offers a variety of insurances, including purchase, auto rental, and extended warranties.

What are the best small business cash-back credit cards?

Finding the best credit card for your small business depends on what you are looking for. The highest reward rate? An intro APR? Check out our article on the best credit cards for small businesses.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

Adam April 26, 2019
You mention purchasing gift cards at office supply stores with your business credit card. How do you account for that during tax season? Is the purchase of the gift card (e.g. $100 Amazon) tax deductible? If not, how do you justify the purchase being on your credit card statement? Also, some cards have an activation fee (e.g. Visa gift cards). how do you account for the extra fee? Great blog by the way. Looking forward to your response!
- Christine Krzyszton April 26, 2019
  Hi Adam. I’m sure Jarrod, the author of this piece, will have his own take on using the Ink Business Cash for purchasing gift cards at office supply stores but I can share how I use them. I purchase gift cards at office supply stores to use for business expenses I plan to deduct. For example, I may purchase a Delta gift card then subsequently use the card to purchase a plane ticket. I deduct the cost of the plane ticket and make note on the gift card purchase of what expense it paid. Also, I purchase Visa gift cards to pay for business expenses that I would not normally earn 5% back on such as insurance, repairs, or other merchandise. Legitimate expenses and deductions. I try to buy Visa gift cards when they are on sale fee-free. As far as deducting the fees, I do not.
- Jarrod West April 26, 2019
  Hi Adam,
  As Christine mentioned, the purchase of a gift card may not qualify as a tax deduction, but what you use the gift card to purchase could qualify. Christine’s example of purchasing a Delta gift card to earn the 5x Ultimate Reward points and subsequently using that Delta gift card for her next Delta flight, is a perfect example of how to do this effectively!
  Thanks for your question and thanks for reading!

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