Is The Ink Business Cash Credit Card Worth it?
When you’re a small business owner, your bottom line matters. So why not earn rewards for purchases you’re already making?
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 Ink Business Cash card has no annual fee, you could be adding big value back into your business for no cost out of pocket.
- 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
- Employee cards at no additional cost
- No annual fee
- 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)
- Earn $750 bonus cash back after you spend $7,500 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
- Customer Service Number1-800-935-9935 (Available 24/7)
- Login Link
- Related Articles
The Ideal Cardholder
The ideal cardholder for the Ink Business Cash card is a small business owner 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.
Hot Tip: Having a business credit card isn’t limited to small business owners with a brick and mortar business. If you operate an online business, freelance, resell, or anything in between, you could be eligible to apply for the card.
Great Card If
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
- Foreign Transaction Fees3% of each transaction in U.S. dollars
- Interest Rates
- 0% Intro APR on Purchases for 12 months
- Ongoing APR: 13.24% - 19.24% Variable
- Late fees
- Penalty APR: Up to 29.99%
- Balance Transfers
- 13.24% - 19.24% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR
- 24.99% Variable
- Fee: Either $15 or 5% of the amount of each transaction, whichever is greater.
How to Earn More Chase Points
The best way to maximize your point earnings with the card is to use it for all your business expenses that fall within their respective bonus categories.
With the Ink Business Cash card, you’re going to earn 5% back on up to $25,000 in combined purchases at office supply stores, and on cellular phone, landline, internet, and cable TV services — plus 2% back on up to $25,000 in purchases at gas stations and restaurants.
Hot Tip: You can use your Ink Business Cash card to purchase gift cards at office supply stores. This method can effectively earn you 5% back on airfare if you purchase airline gift cards, dining if you purchase restaurant gift cards, gas if your purchase gas station gift cards, or anything in between. But keep in mind that this category is capped at $25,000 in purchases per account year.
Chase Shopping Portal
One huge advantage of being a Chase cardholder is having access to the Chase shopping portal. Chase has partnered with several brands like Banana Republic, Macy’s, or Samsung to offer anywhere from an extra 2x-20x points per $1 spent.
Adding Additional Ultimate Rewards-Earning Cards
Since the Ink Business Cash card is traditionally a cash-back card, the ways in which you can use your rewards points are limited. However, by combining your Ink Business Cash card with an Ultimate Rewards-earning card, you can unlock huge value for your points. This method can make for a very powerful points-earning combo.
Take the Ink Business Preferred® Credit Card, for example. This card earns 3x Ultimate Rewards points per $1 spent on up to $150,000 in combined purchases on internet, cable, and phone services, as well as shipping expenses, travel, and ad purchases with search engines or social media sites.
With this 2-card combo, here’s an example of how you could allocate all your business spending to maximize your rewards:
- Use the Ink Business Cash Credit Card to receive 5x on the first $25,000 in purchases on internet, cable TV, and phone services, plus with office supply stores
- Use the Ink Business Preferred Credit Card to receive 3x on travel and digital ad purchases, plus 1x on internet, cable TV, and phone services after the $25,000 threshold is met
- Use the Ink Business Cash Credit Card to receive 2x on all gas station and restaurant purchases
Interested in learning more about Chase’s Ultimate Rewards cards that will allow you to pool your points for huge value? Our favorites include the Ink Business Preferred Credit Card, Chase Sapphire Reserve®, and Chase Sapphire Preferred® Card.
How to Use Chase Points For Max Value
Once you’ve optimized your points earning to ensure you get the best return for every dollar your business spends, you’re going to want to make sure you get the highest value possible out of those points. So which redemption methods offer you the best bang for your buck?
Since the Ink Business Cash Credit Card is technically a cash-back card, the main redemption is obviously in the form of cash-back.
You can receive your cash-back via a statement credit to offset purchases you’ve made, or get a deposit straight into the checking account you have linked with your account. Either way, you will receive a value of 1 cent per point, making 50,000 points worth $500.
Hot Tip: If you haven’t opened a business checking account yet, there are multiple Chase business checking accounts that could be perfectly suited for your business.
Redeeming for Gift Cards
Another option is to redeem your points for gift cards from over 150 different merchants. Chase will give you 1 cent toward the card of your choice for each point you have — so a $25 gift card to Amazon would cost 2,500 points.
If this method interests you, you’d be much better off just redeeming your points for cash-back — the cold hard cash is much more useful than a gift card tied to a certain business.
Shop With Points on Apple and Amazon
If your card is linked to your Apple and/or Amazon account, Chase will give you the option to use your points toward purchases you make with either retailer. Again, your points are worth a fixed 1 cent per point with this method.
Chase Experience Portal
Chase cardholders can even use their points to book one-of-a-kind experiences through the Chase Experiences Portal, like VIP access to sporting events or a night of fine dining.
While these experiences are only available to Chase cardholders, it is generally better just book them with cash, since using your points will only earn you 1 cent per point in value.
Redeeming Points Through the Chase Ultimate Rewards Travel Portal
If you head to the Ultimate Rewards Travel Portal, you’ll find that you can also use your points to offset travel purchases like airfare or hotel stays.
Your points will be valued at 1 cent per point toward such purchases, and you can enjoy perks like no blackout dates.
Pair With Other Ultimate Rewards Cards to Transfer to Airline and Hotel Partners
If you hold an Ultimate Rewards-earning card like the Chase Sapphire Preferred Card, the Chase Sapphire Reserve, or the Ink Business Preferred Credit Card, you can transfer the points earned from your Ink Business Cash Credit Card to unlock huge value.
Chase Ultimate Rewards points are incredibly valuable because of their ability to be transferred to select airline and hotel partners. This opens up a wealth of different options for your points in terms of the experiences that can be booked with them.
If you’re strategic about how you use your Ultimate Reward points, you can book first/business class flights, or 5-star hotel stays for just pennies on the dollar.
New to the world of points and miles, or find it difficult to navigate the different transfer partners and award charts? We are here to help! We’ve put together a guide on Chase’s transfer partners and how to use them to get you traveling like a pro in no time.
If you only have the Ink Business Cash card, you won’t have access to Chase’s airline and hotel transfer partners.
However, if you also have a Chase Ultimate Rewards credit card that carries an annual fee (for example, the Ink Business Preferred Credit Card or Chase Sapphire Preferred Card) you will have access to their travel partners. This is achieved by transferring your points earned by the Ink Business Cash Credit Card to your premium Chase card award balance.
Chase Airline Transfer Partners
|Chase Airline Transfer Partner||Min Transfer||Transfer Ratio|
(Chase > Airline)
|Aer Lingus AerClub||1,000||1:1||Almost Instant|
|British Airways Executive Club||1,000||1:1||Almost Instant|
|Flying Blue AIR FRANCE KLM||1,000||1:1||1 hour|
|Emirates Skywards||1,000||1:1||Almost instant|
|Iberia Plus||1,000||1:1||Almost Instant|
|Singapore Airlines KrisFlyer||1,000||1:1||1-2 days|
|Southwest Airlines Rapid Rewards||1,000||1:1||Almost Instant|
|United Airlines MileagePlus||1,000||1:1||Almost Instant|
|Virgin Atlantic Flying Club||1,000||1:1||Almost Instant|
Chase Hotel Transfer Partners
|Chase Hotel Transfer Partner||Min Transfer||Transfer Ratio||Transfer Time|
|World of Hyatt||1,000||1:1||Almost Instant|
|IHG Rewards Club||1,000||1:1||1 day|
|Marriott Rewards||1,000||1:1||2 days|
Alternatives to the Ink Business Cash Card
Similar to the Ink Business Cash Credit Card, the American Express 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:
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 should also get the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card.
Does the Ink Business Cash card have a 0% APR offer?
Typically yes — see the current information in the card summary table at the top of the page.
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%-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® vs. the Ink Business Cash card?
While they are both cash-back cards, the main difference is where bonuses are offered. While the Chase Freedom offers rotating 5% categories each quarter, the Ink Business Cash Credit Card allows you to earn 5% in select categories year round.
The Chase Freedom also limits your bonus earnings to the first $1,500 of each quarter’s categories, while the business 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 business card holders, 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 Chase Freedom, and you can utilize the Chase BluePrint to help manage your finances.
Can the Ink Business Cash card use Ultimate Rewards?
Yes! You can transfer your cash-back into 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 or Ink Business Preferred Credit Card.
With these, you are able to transfer the points you earn on any Chase Ultimate Rewards card to one of those 2 cards 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%-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 statement credit or in 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.
How many Ultimate Rewards cards are there?
Here are some Ultimate Rewards cards:
- Ink Business Cash Card
- Chase Freedom
- Chase Freedom Unlimited
- Chase Sapphire Preferred Card
- Ink Business Preferred Credit Card
- Chase Sapphire Reserve
For more, explore the best cards to earn Ultimate Rewards.
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 best cash-back credit cards for small businesses.
Do Chase Ink points expire?
Your Chase points will never expire as long as your credit card account with them remains active. No qualifying activities are necessary, as long as your account remains open and in good standing your points are safe.