| Last updated on March 22nd, 2024
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
- 18.49% to 24.49% Variable Regular Purchase APR
- 18.49% to 24.49% Variable Balance Transfer APR
- 29.99% Variable Cash Advance APR
- 0% intro APR on purchases for 12 months Intro Purchase APR
At a Glance
Cash back earnings are the star attraction of the Ink Business Cash® Credit Card. Combined with an introductory 0% APR period (and a variable APR after that), it’s a solid option that rewards you for taking care of regular business expenses.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
- Intro Purchase APR: 0% intro APR on purchases for 12 months
- Regular Purchase APR: 18.49% to 24.49% Variable
- Balance Transfer APR: 18.49% to 24.49% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% Variable
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Annual Fee: $0
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- You own a small business
- You make frequent purchases for your company, especially in specific categories such as gas stations and office supplies
- You need to extend large purchases over multiple payments which can benefit from 0% interest
Ink Business Cash® Credit Card Review
Chase’s Ink Business Cash® Credit Card draws eyes with its cash back reward perks. This business card from JP Morgan Chase provides up to 5% cash back on purchases, complimentary employee cards at no cost, and more – for no annual fee.
Who is the Ink Business Cash for?
Chase offers a range of Ink business credit cards for all spend types. So, why should you opt for the Ink Cash?
The Ink Business Cash is the ideal cash back card for companies that spend heavily in select categories and already have another unlimited cash back card to cover everyday purchases. That’s because the Cash provides an impressive 5% back on office supplies and select wireless carrier services. And, while the 5% back bonus categories are capped at the first $25,000 spent in combined purchases, it still offers up to $1,250 per year in cash back just in those two categories alone.
Additionally, the card provides extra bonus cash back categories, including 5% back on Lyft rides (for a limited time), and 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants.
Combining the Ink Cash with an unlimited cash back card, like the Ink Business Unlimited®, can help accelerate the cash back even further. The Unlimited earns an unlimited 1.5% back on all purchases, meaning this one-two punch could potentially provide enhanced rewards no matter what the business world throws at you.
Ink Cash Rewards Guide
Limited-Time Welcome Offer
Chase Ink Business cards are known for their generous welcome offers – and the Ink Business Cash® Credit Card is no different. New accounts earn a $350 bonus cash back after you spend $3,000 on purchases in the first three (3) months from account opening. That welcome offer is substantial – but easy enough to reach for companies that plan on issuing multiple employee cards (additional employee cards are free of charge).
How to Earn Cash Back with the Ink Cash
The Ink Business Cash® Credit Card earns impressive cash back rewards on every eligible purchase in select categories:
- 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
- 5% cash back on qualifying Lyft products and services purchased through the Lyft mobile (through 03/2025)
- 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–with no limit to the amount you can earn
Cash Back Categories Explained
Not every office supply or phone purchase qualifies for 5% cash back. Like other issuers, Chase uses Merchant Category Codes (MCCs) to help merchants classify their services best. Here are the limitations and exclusions for the “office supply” and “internet, cable, and phone services” categories:
Office Supply Stores
The “office supplies” category does not include merchants who sell a diverse range of general products, such as discount stores, department stores, or electronics stores. It also does not include merchants and wholesale distributors specializing in a limited selection of larger office supplies, such as computer software and hardware, office furniture, photocopiers, and office equipment, even if they also sell smaller office supplies.
Internet, Cable, and Phone Services
Only purchases made for internet, cable, satellite TV and radio, cellular, wireless data, and landline services will be eligible for the 5% back bonus. The purchase of internet, phone, or other equipment is not included. If you buy or pay for your internet, cable, satellite TV, phone, or any related services in a store not categorized by the merchant under the relevant services category, the purchase or payment will not be considered eligible. For instance, if you make phone bill payments in a store that is classified as a telephone equipment store.
How to Redeem Cash Back
How you redeem your cash back with the Ink Business Cash® depends on your existing banking relationship with Chase. If you only have the Ink Business Cash®, your only award options are cash back, gift cards, statement credits, Amazon’s Pay with Points, and other select retailers.
Chase cash back credit cards offer greater versatility than other cash back credit cards from larger banks – especially when paired with a Chase Sapphire or Ink Preferred card account. That’s because eligible Chase Sapphire credit cards pair with the Ink Business cards to provide even greater value through additional redemption options.
The Chase Ultimate Rewards portal lets cardmembers use points (1X UR points = 1% cash back) to book travel, shop through the Ultimate Rewards portal, purchase gift cards, make donations, or transfer points to over a dozen leading loyalty programs from airlines and hotels.
Here are the current Chase Ultimate Rewards transfer partners:
| Aer Lingus (AerClub) | Air France/KLM (Flying Blue) | Emirates (Skywards) |
| Air Canada (Aeroplan) | British Airways (Executive Club) | Iberia Plus |
| JetBlue (TrueBlue) | Southwest (Rapid Rewards) | Singapore Airlines (KrisFlyer) |
| Virgin Atlantic (Flying Club) | United Airlines (MileagePlus) | IHG Rewards |
| Marriott Bonvoy | World of Hyatt |
Ink Cash Benefits
0% Intro APR
The Ink Business Cash® Credit Card is worth considering for its attractive 12-month 0% APR introductory period. Large or numerous expenses requiring multiple payments will benefit most from this incentive as it provides a stress-free full year of no interest.
Complimentary Employee Cards
If you have multiple employees who will require additional cards issued, Chase conveniently allows you to set individual spending limits so you can stay on top of your business expenses. Remember that the 5% cash back category is capped at $25,000 per year across the account and not for each authorized cardholder.
Visa Signature Business Protections
The card also offers a suite of business protection and monitoring tools. Even better, the card has no annual fee. Chase business credit cards also offer the usual Visa Signature protections, like fraud protection, numerous security options and offers, and more.
| Zero Fraud Liability | Roadside Dispatch | Cardholder Inquiry Services | Lost/Stolen Card Reporting | Emergency Card Replacement |
| Auto Rental Collison Damage Waiver | Travel and Emergency Assistance Services | Purchase and Extended Protection | Lost Luggage Reimbursement |
Mobile App
Additionally, the mobile app provides access to the following benefits:
| Set spending limits | The Chase Mobile banking app lets businesses set caps on specific on cards to prevent overuse or misuse. | |
| Organize receipts | The mobile app provides a streamlined way of generating expense reports and bookkeeping, with purchases automatically recorded in the app. | |
| Label purchases | The Chase mobile app allows companies to tag purchases and sync with its Chase.com account to create dynamic spending reports. | |
Chase Ink Comparison
| Ink Business Cash® | Ink Business Unlimited® | Ink Business Preferred® | |
|---|---|---|---|
| Rewards | 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 unlimited 1.5% cash back on all purchases | 3X on travel, shipping, internet, cable and phone services and advertising purchases made with social media sites and search engines on the first $150,000 in combined purchases each account anniversary. |
| Intro APR | 12 months on purchases | 12 months on purchases | N/A |
| Add. cards | Free | Free | Free |
| Annual fee | $0 | $0 | $95 |
Pros & Cons
| Pros | Cons |
|---|---|
| No annual fee | Top reward categories are capped |
| Complimentary employee cards | Excellent credit required |
| Generous welcome offer, including 0% APR on purchases |
What We Like About the Ink Cash
The Ink Business Cash Card offers an impressive welcome package, starting with a 0% APR on purchases for 12 months. Additionally, cardholders can earn a generous $350 cash back bonus after meeting the minimum spending requirements within a specified time frame. These perks are standard for all Ink cards and make it an excellent choice for businesses of all sizes looking for a reliable rewards card without any hidden fees.
Additionally, the cash back rewards with the card are rich – albeit capped. However, the 5% and 2% cash reward categories with the Ink Cash are lucrative, especially when paired with an unlimited cash back card or another Chase Ink offer.
Things to Consider
Despite all the good, there are still things to consider before applying for the Chase Ink Business Cash Card.
Capped Rewards
The rewards are capped at $25,000 in joint spending across the two bonus tiers. Accounts earn 5% back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year and 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each year.
That cap seems high – but not so if you own or run a medium-sized company and plan to issue multiple employee cards across multiple offices. In that scenario, your rewards run dry very quickly.
Foreign Transaction Fee
This is a gripe with most of the Chase business cards, but the 3% foreign transaction fee with Ink Cash significantly impacts the card’s performance overseas. There are plenty of no-annual-fee business cards that offer no foreign transaction fees, so carefully consider how much emphasis your spending will have on international transactions.
Chase Ink FAQs
Here you can find answers to some of the commonly asked questions about Chase Ink business credit cards:
- Yes. Most credit cards result in a hard pull when applying. Chase may use a soft pull when checking for prequalified offers, but a full application will result in a credit inquiry.
- Data suggests that Chase uses Experian for credit checks.
- Chase typically reports to the credit agencies approximately 3 to 4 days after the closing data on the card statement.
- Chase representatives are available through the Chase mobile app or by calling 1-800-935-9935.
Chase Ratings
How does the Ink Business Cash Visa Signature stack up? Here are a selection of expert reviews for the card, as well as an overview of JP Morgan Chase as a bank:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
3.5/5 |
2/5 |
Should You Apply for the Ink Business Cash® Credit Card?
Overall, the Ink Business Cash® Credit Card from Chase is an excellent cash back card for companies that don’t want to pay an annual fee but still want to earn impressive rewards. The enhanced cash back categories with the card are sure to be a hit with owners and financial managers alike, as is the relatively easy-to-achieve $350 cash back sign-up bonus.
The Chase Ultimate Rewards portal is one of the best loyalty programs available, so those cash back rewards will have significant value when used for options other than cash back. This is especially true for travel. But, since the card is a cash back card, most businesses will likely stick to this option. Even here, however, they’ll get exceptional value.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.