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Chase Ink Business Cash Review: A Big Earner on Business Expenses

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Ink Business Cash® Credit Card features impressive cash back rates and an attractive sign-up bonus, so it's a natural choice to maximize your earnings. There are, however, spending caps on the bonus cash back you can earn with this business credit card, so it may not work if you have high expenses. Check out our Ink Business Cash® Credit Card review to learn about its pros and cons.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 24.49% Variable

Rewards Circle with letter I in it. 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.

Earn 5% cash back in select business categories

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earn $750 bonus cash back

  • For cardholders wanting the simplicity of cash back, plus up to 5% back on select categories and a $0 annual fee. The inclusion of a 0% intro APR offer amps up the value of the card.

    • Big cash back sign-up bonus
    • Office supply store rewards
    • Internet, cable, and phone service rewards
    • 0% intro APR offer
    • No annual fee
    • Low caps on bonus categories
    • No balance transfer offer
    • Foreign transaction fee
    • Earn $750 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
    • Round-the-clock monitoring for unusual credit card purchases
    • 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
    • Member FDIC

Full Chase Ink Business Cash review

This credit card is a good fit for: Business owners with high monthly spending at office supply stores and on internet, cable, and phone services. Those who need time to pay off business expenses without incurring interest charges will also like this card's 0% intro APR.

Top perks

The Ink Business Cash® Credit Card has a great cash back rate and several other valuable benefits.

$750 sign-up bonus

You'll earn this bonus by spending $6,000 in the first 3 months. This is a much higher bonus when compared to most cash back cards. Since the Ink Business Cash® Credit Card has no annual fee, its $750 bonus offer is even more impressive.

Up to 5% cash back

This card has excellent cash back rates across several popular expense categories. Here's a breakdown of how much it earns:

  • 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
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other purchases

No annual fee

There is no annual fee to use this card, which helps if you're aiming to avoid too many business expenses.

0% intro APR

This card has a 0% intro APR on purchases for the first 12 months, which means you can use this card to finance business expenses. After the 12 months' intro period, a variable APR will apply. To avoid expensive interest charges, plan to pay off anything you finance within the intro period.

Travel and purchase coverage

The Ink Business Cash® Credit Card includes a few complimentary coverages on eligible purchases you make with it:

  • Auto rental collision damage waiver: You'll have primary coverage when renting a car for business reasons. This coverage provides reimbursement up to the vehicle's actual cash value for theft and collision damage for most cars in the U.S. and abroad.
  • Purchase protection: New purchases have 120 days of coverage against damage and theft. Coverage is available for up to $10,000 per claim and $50,000 per account.
  • Extended warranty coverage: Your Ink Business Cash® Credit Card will automatically add another year onto any eligible warranty of three years or less.

Alternatives to consider

  • If you want travel rewards and a bigger bonus: The Ink Business Preferred® Credit Card has a massive sign-up bonus. It also earns Ultimate Rewards points, which are some of the most valuable travel points we've seen. But be aware that this card has an annual fee, and it doesn't have a 0% intro APR offer.
  • If you want a competitive cash back rate on any type of purchase: The Ink Business Unlimited® Credit Card earns an unlimited 1.5% cash back on purchases regardless of the spending category. It also has no annual fee and a 0% intro APR.

Read more: Best Business Credit Cards for No Credit

As of Nov. 27, 2023
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Ink Business Preferred® Credit Card Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

New Cardmember Offer! Earn 100,000 bonus points

Welcome Offer: Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

Rewards Program: Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Rewards Program: Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR:

21.24%-26.24% Variable

Regular APR:

18.49% - 24.49% Variable

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Highlights:

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
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What could be improved

This business card has a few areas where it could get better to compete with other top credit cards.

Low caps on bonus categories

The $25,000 spending caps are low compared to many other business credit cards. If you have substantial business expenses, you may reach those caps and earn only the 1% cash back rate for the rest of the year. If you spend significantly more, you'd be missing out on the chance to earn more rewards using a different business card with higher spending caps.

No 0% intro APR on balance transfers

One of the few perks this card lacks is a 0% intro APR on balance transfers. If you have existing credit card debt, you won't be able to take advantage of a 0% intro offer by transferring the debt over to this card.

RELATED: See The Ascent's guide to the best cash back business credit cards.

Foreign transaction fee

The Ink Business Cash® Credit Card charges a foreign transaction fee of 3% of each transaction in U.S. dollars. If you take any trips outside the United States, you'll need a different card that doesn't have this type of fee, such as a travel rewards card.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

It's recommended to have a FICO® Score of 670 or above before applying for the Ink Business Cash® Credit Card, though there's no set credit score requirement.

Since this is a business credit card, you need a business to get it. But card issuers are flexible regarding what kinds of businesses they accept. You could apply with any for-profit venture you have, such as freelance work or selling products online. Your business doesn't even need to have any profits yet, and you can apply with your personal Social Security number.

Chase's 5/24 rule is a factor to consider before applying for this card. This rule refers to Chase's typical policy of rejecting applications from consumers who have opened too many credit cards within 24 months. Before applying, make sure this rule won't hurt your chances of approval.

LEARN MORE: A Guide to Chase's 5/24 Rule

The Chase Ink Business Cash is right for you if:

You're looking for a no annual fee card and the bonus categories fit your business's spending needs. The Ink Business Cash® Credit Card is one of the most versatile business cards, so it's also a great choice if you want to earn a big bonus or finance business expenses with a 0% intro APR.

The major drawback to keep in mind is the $25,000 spending caps on the card's bonus categories. If your business runs up bigger monthly bills, you might need to look at more credit card reviews to find a card with higher spending caps -- or no caps at all. That way, you won't miss out on the chance to earn additional credit card rewards.

FAQs

  • According to Chase, the minimum credit limit for the Ink Business Cash® Credit Card is $3,000. Spending limits above $25,000 may require additional review.

  • Yes, the Ink Business Cash® Credit Card offers fraud protection in the form of real-time fraud monitoring and account alerts. Plus, the Ink Business Cash® Credit Card has zero liability protection. That means you won't be responsible for unauthorized or fraudulent charges made with your card.

  • Yes, any business owner can apply for the Ink Business Cash® Credit Card. This includes established businesses, startups, and freelance businesses.

Our Credit Cards Expert