Ink Business Cash℠ Credit Card Review

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Chase unleashed a real gem when introducing the $0 annual fee Ink Business Cash℠ Credit Card. This card offers great cash back options and plenty of great perks for business owners. Find out why this card is so highly regarded!


Big Sign Up Bonus

The Ink Cash offers a $500 bonus cash back offer after you spend $3,000 on purchases in the first 3 months from account opening. This can be redeemed as a statement credit or a check mailed to you, or you can combine these points with other Ultimate Rewards earning cards and transfer to partners for BIG value.

Tip: If you hold the Ink Business Preferred℠ Credit Card, the Chase Sapphire Preferred® Card, or the Chase Sapphire Reserve®, you can combine points earned on your Ink Cash with Ultimate Rewards earned on these cards to transfer them to Ultimate Rewards travel partners.

Earn Extra Points on Bonus Categories

When you use the Ink Cash, you will receive bonus points on a wide range of business expenses. This includes:

  • 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.

This applies to each account you have if you have more than one business account with the Ink Cash

After you reach the combined $25,000 spending limit, you receive 1% cash back on all bonus category purchases, plus get 1% cash back on all other purchases, all year long.

$0 Annual Fee!

The Ink Cash charges a $0 annual fee. You get to enjoy terrific cash back perks at no cost. It's hard to find a no annual fee business card that offers rewards of this caliber.

Introductory APR on Purchases

The Ink Cash currently offers an 0% Intro APR on Purchases for the first 12 months that you have the card, then a variable APR of 15.49% - 21.49%. This flexibility is nice, but don't spend more than you can pay off on your credit card.

Ideal for Small Business

This card has some terrific perks for small business owners, including the ability to get free employee cards, which makes it very simple to add as many authorized users as you need for your convenience.

The card is ideal for those small businesses who tend to spend most of their money on the categories that have 5% cash back, as long as you don’t tend to spend far more than the $25,000 limit. After $25,000 of spending, you will receive just 1% cash back on all purchases.

It's important to note, while the Ink Cash is subject to Chase's 5/24 policy, it won't count towards 5/24, which makes it a great card to apply for while waiting for your application count to go down to the dreaded 5 in 24 months.

Other Ultimate Rewards Earning Business Cards

Chase offers two other business cards, the Ink Business Preferred℠ Credit Card and Ink Business Unlimited℠ Credit Card, for business owners who may spend more on telecommunications, advertising, and business expenses, or non-bonus spending.

The Ink Business Unlimited is another no annual fee rewards card, but rather than earning points on bonus categories, the Ink Business Unlimited earns 1.5% on all purchases, including all non-bonus categories.

The Ink Preferred charges a $95 annual fee, so unless you plan on going over the $25,000 annual category spending limit, then the Ink Business Cash℠ Credit Card is probably perfect for your bonus spending needs. It's worth mentioning that the Ink Business Preferred℠ Credit Card has a higher signup bonus of 80,000 Ultimate Rewards points.


The Ink Cash is a great cash back card for small business owners. With substantial cash back perks, including the 5% cash back on specific categories, you can get a top return when using this card. Also, having no annual fee is a huge perk, because all of the benefits are free.

The Ink Cash is a simple and effective business rewards card, great for small business owners.

Ink Business Cash℠ Credit Card Review
4.7 (94.29%) 14 votes
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