Chase Ink Business Cash Credit Card Review

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Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Learn more externa link icon at our partner’s secure site
Rewards rate:

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 card purchases with no limit to the amount you can earn.

  • Intro bonus: $750
  • Annual fee: $0
  • Regular APR: 13.24% – 19.24% Variable
  • Recommended credit score: 670-850 (Good to Excellent)

The Chase Ink Business Cash card is a solid business cash back card option, most useful for freelancers and small business owners looking to earn on regular spending and build credit. Because it has no annual fee and everyday rewards, this card is a good beginner business card choice.

At a Glance

  • 5% cash back on the first $25,000 combined annual spending at office supply stores and on internet, cable, and phone services
  • 2% cash back on the first $25,000 combined annual spending at gas stations and restaurants
  • 1% unlimited cash back on everything else
  • $750 cash back bonus after spending $7,500 within 3 months of account opening
  • No annual fee
  • 0% intro APR on purchases for 12 months from account opening 
  • 13.24% to 19.24% ongoing variable APR

Pros

  • Bonus cash back categories for business expenses, plus gas stations and restaurants

  • Welcome bonus

  • No annual fee

  • 0% intro APR on purchases for 12 months

  • Part of the Chase Ultimate Rewards program

Cons

  • Bonus cash back categories capped at $25,000 annual spending

  • High variable APR

  • Not a great choice for frequent business travelers

Additional Card Details

The Ink Business Cash’s biggest draw is its cash rewards, but there are a few more perks that may be useful for business owners. 

If you have employees who do their own business spending (purchasing supplies for the office, for example, or taking clients to lunch), you can get additional employee cards for no additional fee, and even set individual spending limits on employee cards.

When traveling or renting a car for business, you’ll get coverage for auto rental collision damage, plus travel and emergency assistance services and roadside dispatch. The Ink Business Cash card also helps you protect your business with fraud protection, purchase protection, and extended warranty protection. 

Should You Get this Card?

This card is most useful for a variety of small business owners or sole proprietors looking to build credit and maximize everyday business spending. Freelancers might benefit from rewards on phone and internet service for their home office, while a sales-based business with regular client meetings might find value in gas and restaurant rewards.

If you’re just starting a new business, you can also benefit from the 0% intro APR offer and save on categories specific to startup business expenses like office supply purchases and monthly phone and internet utility charges. And since there’s no annual fee or complicated rewards structures, this can be a solid option for sole proprietors looking for a simple way to separate business from personal spending, while also earning some cash back.

Depending on the size and scope of your business, though, Ink Business Cash may not be your best choice. If you spend far above the $25,000 cap in each of the bonus categories annually, you’ll likely get more value from a card without a spending maximum (even if you pay an annual fee). There are also better choices if your business requires frequent travel — rather than everyday rewards categories, maximize those high-spend categories with a business card that offers rewards on flights, hotels, and other travel expenses. 

How to Use the Chase Ink Business Cash Card

The Chase Ink Business Cash card has a current introductory offer of $750 cash back when you spend at least $7,500 within the first 3 months of opening. Your monthly business spending should total $2,500 or more in order to meet the threshold for that bonus.

 
If you’re starting a new business with upfront costs or you have a large business purchase coming up, you can also take advantage of the 12 month 0% intro APR on new purchases (13.24% to 19.24% variable APR thereafter). Just make sure you pay off any purchases you finance with this offer before the introductory period ends, or your remaining balance will begin to accrue interest quickly.

After maximizing the Ink Business Cash’s introductory offers, continue using this card for any office equipment or supplies you need each month, as well as your phone, internet, and cable bills to maximize the reward benefits. As with any business card, you should only be using it for purchases related to your business.

Pro Tip

Evaluate your business spending to ensure this card’s $25,000 annual limit on bonus category spending works for you. If you far outspend in these categories, consider cards with higher caps or unlimited rewards.

Maximizing Chase Ultimate Rewards

The Ink Business Cash Card earns cash back redeemable through Chase Ultimate Rewards.  For even more value, consider pairing this card with one that offers more varied rewards categories your business may incur, like the Ink Business Preferred® Credit Card. Then, you can pool your points into one account and redeem them together.

The Ink Business Prefered credit card, for example, offers 3x points on travel, shipping purchases, and advertising purchases made with search engines and social media sites (up to $150,000 in combined annual spending). This card does have a $95 annual fee and higher variable APR, but your points earn a 25% value boost for certain redemptions, like travel booked through Chase Ultimate Rewards (1.25 cents per point). When you pool your Ink Business Cash points into your Ink Business Preferred account, they also become eligible for this boost.  

Chase Ink Business Cash Compared to Other Cards

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

  • Intro bonus:
    $750
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

  • Intro bonus:
    100,000 points
  • Annual fee:
    $95
  • Regular APR:
    15.99% to 20.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Capital One Spark Cash for Business

Capital One Spark Cash for Business

  • Intro bonus:
    $500
  • Annual fee:
    $0 intro for first year; $95 after that
  • Regular APR:
    20.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site

All information about the Capital One Spark Cash for Business has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Bottom Line

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Chase Ink Business Cash card is a solid business card choice, with no annual fee and high cash back rewards on select everyday business categories. It’s an affordable option for freelancers and small business owners looking to maximize regular purchases on supplies and utilities — as long as your spending budget falls within the annual rewards cap..  

Frequently Asked Questions

You do need to have a business to get approved for a Chase Ink Business card, but there are many types of entities that can qualify as a business, like freelance work and selling products online. You will need to prove that you have business income to qualify by providing information like business revenue and your business tax ID number or SSN.

You’ll need a good-to-excellent credit score (at least 670) for the best chances of approval.

Yes, this card is part of Chase’s Ultimate Rewards program, so you can redeem your rewards in the form of travel, gift cards, statement credits, and more. It does not have boosted travel benefits or one-to-one point sharing with travel partners like some other Chase rewards cards, though you can pool points with other eligible accounts.