Ink Business Cash Credit Card – Full Review [2021]

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Ink Business Cash Credit Card – Full Review [2021]

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.

"A New Small Business Owner’s Best Friend"

This card offers great rewards and no annual fee, as well as a 0% intro APR. Any new business owner that needs to get going will enjoy this card.

Learn More (at Chase's secure site)

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

The Ideal Cardholder

Happy young businessman using laptop and credit card at the table
When you work hard, you need a rewards card that works hard too. Image Credit:

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

Ink Business Cash Card — Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
    3% 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
    • $39
    • 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

Woman Small Business Owner Working Hard
Get the most value for each $1 you spend. Image Credit: American Express

Business Expenses

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

Bottom Line: Pairing a cash-back card with an Ultimate Rewards-earning card will give you the best return for your hard-earned points. By affording you the opportunity to use your points with airline and hotel transfer partners, you can receive more value than you would otherwise get redeeming for gift cards or cash-back.  

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 CardChase 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.

Bottom Line: The team here at Upgraded Points highly recommend you utilize transfer partners when redeeming your hard-earned earned points, and we don’t recommend using them for gift cards, Amazon purchases, or any other method that only earns you 1 cent per point in value. 

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 PartnerMin TransferTransfer Ratio
(Chase > Airline)
Transfer Time
Aer Lingus AerClub1,0001:1Almost Instant
Air Canada Aeroplan1,0001:1Almost Instant
British Airways Executive Club1,0001:1Almost Instant
1,0001:11 hour
Emirates Skywards1,0001:1Almost instant
Iberia Plus1,0001:1Almost Instant
JetBlue1,0001:1Almost Instant
Singapore Airlines KrisFlyer
1,0001:11-2 days
Southwest Airlines Rapid Rewards1,0001:1Almost Instant
United Airlines MileagePlus1,0001:1Almost Instant
Virgin Atlantic Flying Club1,0001:1Almost Instant

Chase Hotel Transfer Partners

Chase Hotel Transfer PartnerMin TransferTransfer RatioTransfer Time
World of Hyatt
1,0001:1Almost Instant
IHG Rewards Club1,0001:11 day
Marriott Rewards1,0001:12 days

Alternatives to the Ink Business Cash Card

American Express Blue 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.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. You mention purchasing gift cards at office supply stores with your business credit card. How do you account for that during tax season? Is the purchase of the gift card (e.g. $100 Amazon) tax deductible? If not, how do you justify the purchase being on your credit card statement? Also, some cards have an activation fee (e.g. Visa gift cards). how do you account for the extra fee? Great blog by the way. Looking forward to your response!


    • Hi Adam. I’m sure Jarrod, the author of this piece, will have his own take on using the Ink Business Cash for purchasing gift cards at office supply stores but I can share how I use them. I purchase gift cards at office supply stores to use for business expenses I plan to deduct. For example, I may purchase a Delta gift card then subsequently use the card to purchase a plane ticket. I deduct the cost of the plane ticket and make note on the gift card purchase of what expense it paid. Also, I purchase Visa gift cards to pay for business expenses that I would not normally earn 5% back on such as insurance, repairs, or other merchandise. Legitimate expenses and deductions. I try to buy Visa gift cards when they are on sale fee-free. As far as deducting the fees, I do not.


    • Hi Adam,

      As Christine mentioned, the purchase of a gift card may not qualify as a tax deduction, but what you use the gift card to purchase could qualify. Christine’s example of purchasing a Delta gift card to earn the 5x Ultimate Reward points and subsequently using that Delta gift card for her next Delta flight, is a perfect example of how to do this effectively!

      Thanks for your question and thanks for reading!


Any thoughts or questions? Comment below!

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