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Ink Business Cash Credit Card – Full Review [2024]

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Jarrod West
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Jarrod West

Senior Content Contributor

446 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Jessica Merritt
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Jessica Merritt

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A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Stella Shon

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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...

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Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.58
Learn More(at Chase's secure site)
  • Up to $750

  • $0

  • 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.

  • Good to Excellent (670-850)

Ink Business Cash® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.58
Learn More(at Chase's secure site)

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 card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Card Snapshot

Welcome Bonus & Info

  • 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

Pros

  • 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
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1042+ Expert Credit Card Guides

Great Card If

  • Your business spending falls within the bonus categories
  • You want a card that earns flexible rewards
  • You want a card that keeps you covered with travel insurance and purchase protection
  • You want a card with no annual fee

Don’t Get If

  • You want a credit card that earns travel rewards, benefits, and perks
  • Your business spending primarily falls outside of the bonus categories

Ink Business Cash Card — Is It Worth It?

The Ink Business Cash card is well worth it for small business owners with expenses that fall within the 5% and 2% back categories. Keep in mind, though, that these rewards 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 earnings.

However, if your business spending meets the $25,000 threshold for the 5% category, you could be earning, at minimum, $1,250 in cash-back each and every year, all from a card with no annual fee!

The Ink Business Cash card becomes even more compelling when paired with a premium Chase Ultimate Rewards card, which is a strategy that Upgraded Points Content Contributor Senitra Horbrook, uses with her card:

“The Ink Business Cash card helps me increase my balance of Ultimate Rewards points, especially since it earns 5x points on office supply stores and on internet, cable and phone services on the first $25,000 spent per year. I also have the Chase Sapphire Preferred® Card, which allows me to combine my points from the Ink Business Cash card with it and transfer those points to lots of great travel partners.”

Senitra Horbrook, content contributor

Ink Business Cash Card Top Benefits

No-Cost Employee Cards

If you have multiple employees, it can be a major hassle to have to pass 1 company card back and forth. Fortunately, the Ink Business Cash card allows you to add as many employee cards as you’d like for no added cost.

Travel and Purchase Coverage

The Ink Business Cash card keeps your purchases covered with the following protections:

  • Purchase Protection: When you purchase an item with your card, it’s covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Coverage: Items you purchase with your card that have warranties of 3 years or less have the warranty extended by an additional year.
  • Rental Car Insurance: You’ll get secondary coverage that keeps you covered in case of theft or damage to your rental car.

Best Ways To Earn and Redeem Your Chase Points

When you earn cash-back with your Ink Business Cash card, it comes in the form of Chase Ultimate Rewards points. But you should know that using your card isn’t the only way to earn lots of Chase Ultimate Rewards points!

You might think, since the Ink Business Cash is traditionally a cash-back card, that redeeming for cash-back is your only option — but that isn’t true!

In fact, if you pair your Ink Business Cash card with a card that has access to Chase transfer partners, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred card, you’ll find that there are many great ways to redeem your Chase Ultimate Rewards points for huge travel value!

Alternative to the Ink Business Cash Card

American Express Blue Business Cash™ Card

The Amex Blue Business Cash card offers 2% cash-back on all eligible purchases for 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:


UP’s Card Review Methodology

Every card we review is assigned a “U.P. Rating” – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.

These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:

  • Bonus categories
  • Benefits and perks
  • Quality of associated loyalty programs
  • Annual fees and other costs
  • Size of the welcome bonus (and relative to the annual fee)
  • And several more

You can learn more about how Upgraded Points reviews and rates credit cards.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The American Express Blue Business Cash™ Card, click here.

Frequently Asked Questions

Is the Ink Business Cash card a good card? Is it worth it?

This 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. To fully use the card to its potential, you could also get the Chase Sapphire Preferred card or Ink Business Preferred card.

Is the Ink Business Cash card a cash-back card?

Yes, the card is marketed as a cash-back card. You’ll earn 1% to 5% cash-back rewards on your purchases depending on the categories:

  • 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 also works as a points card, as the cash-back accumulates in Chase Ultimate Rewards as points. From there, you can spend the reward points in the online shopping portal or transfer them to another Chase card account for additional redemption options.

What is the difference between the Chase Freedom Flex℠ vs. the Ink Business Cash card?

While they are both cash-back cards, the main difference is the Freedom Flex card is a personal card and the Ink Business Cash card is for businesses. Another big difference is rewards earning. While the Freedom Flex card offers rotating 5% categories each quarter, the Ink Business Cash card allows you to earn 5% in select categories year-round.

The Freedom Flex card also limits your bonus earnings to the first $1,500 of each quarter’s categories, while the Ink Business Cash 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 Ink Business Cash cardholders, Chase offers free cards for employees, as well as tools to help manage and track your spending. You can add 1 authorized user to your Freedom Flex card.

Can the Ink Business Cash card use Chase Ultimate Rewards?

Yes! You can transfer your cash-back in the Ultimate Rewards portal in order to utilize Chase rewards options. 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. You must have the Chase Sapphire Preferred Card, Chase Sapphire Reserve card, or Ink Business Preferred card to use Chase Travel rewards. With these cards, you can transfer the points you earn on any Chase Ultimate Rewards card 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 the Ink Business Cash card is the same as other Chase 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% to 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 a statement credit or in the 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 coverages, including purchase protection, an auto rental liability damage waiver, and extended warranty coverage.

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 the best credit cards for small businesses.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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