Edited by: Jessica Merritt
& Stella Shon
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0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Good to Excellent (670-850)
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
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
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.
The Ink Business Cash card keeps your purchases covered with the following protections:
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!
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:
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:
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.
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.
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:
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.
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.
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.
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.
There is a 3% foreign transaction fee.
There is no annual fee for the 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.