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Ink Business Cash Card – Requirements, Ideal Credit Score & Approval Tips [2023]

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Jarrod West
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Jarrod West

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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...
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Nick Ellis

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Nick’s passion for points began as a hobby and became a career. He worked for over 5 years at The Points Guy and has contributed to Business Insider and CNN. He has 14 credit cards and continues to le...
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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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Any business owner looking to earn more cash-back on their business expenses would do well to consider the Ink Business Cash® Credit Card.

With it, you can 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. Plus, you’ll earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

When you also factor in that the card has a great welcome bonus offer, your rewards can be combined with other eligible Chase cards, and the $0 annual fee, it’s easy to see why the Ink Business Cash card is so popular.

If you’re new to business credit cards, you might wonder how difficult it is to get approved for the Ink Business Cash card. This guide will walk you through the process and offer tips to boost your approval odds.

Ink Business Cash Card Snapshot

UP TO $750 BACK
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.

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

Learn More(at Chase's secure site)
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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.

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
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 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
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

How To Check Your Credit Score

The most important factor in whether you’ll be approved for a new credit card is your credit score. Fortunately, you can easily check your credit score in a number of ways. You can access a free credit report from your current credit issuer (if you have one), through any of 3 credit bureaus (TransUnionEquifax, and Experian), or through a free monitoring service like Credit Karma.

Do You Need a Business Credit Score To Apply for the Ink Business Cash Card?

The short answer is no, you do not need a business credit score to apply for the Ink Business Cash card. Business owners who operate as sole proprietors can apply for the Ink Business Cash card using their Social Security number.

If your business has an Employer Identification Number (EIN), adding it to your application will also result in your business credit score being pulled. That said, both your personal and business credit scores serve the same purpose regarding whether you’ll be approved for the card.

What Credit Score Do You Need for the Ink Business Cash Card?

Person holding a smartphone with good credit score meter on the screen
Image Credit: Backcountry Media via Adobe Stock

If you’re considering applying for the Ink Business Cash card, it’s recommended to have a personal credit score of at least 670 or higher — or a business credit score of at least 75 — to maximize your chances of approval.

However, there are no guarantees that your application will be approved, even if your credit score is far higher than these figures, as your credit score is just one aspect of the application decision.

Other Approval Considerations

Personal Income and Business Income

Having a strong income, either personally or through your business, should improve your approval chances as it shows that you’ll be able to pay off purchases you make with the card.

That said, if you’re just starting your business and your projected income is on the low side, don’t let that discourage you. This is by no means a deal breaker regarding whether you’ll be approved for the Ink Business Cash card.

Length of Credit

If your credit history is relatively new, it can adversely impact your approval odds for the Ink Business Cash card, as most credit issuers want to see that you have a long history of paying your bill on time.

Given that, we recommend that you have at least 2 years or more of a clean credit history before applying for the Ink Business Cash card.

Tips To Boost Your Credit Score

If your credit score isn’t high enough to be approved for the Ink Business Cash card, here are some ways to improve your credit score

Get a Starter Credit Card

If you’re just starting your credit journey, getting a starter credit card can be the perfect way to improve your credit score. This could be a secured credit card, a student credit card, or a credit card without a large limit, any of which will get you on the path to a strong credit score — as long as you use it responsibly and pay your bill in full each and every month.

Get Added as an Authorized User

If you’re looking to boost your credit score quickly, being added as an authorized user can be a great way to do just that. This allows you to “piggyback” off someone else’s credit score and shows the credit issuer that someone close to you was willing to trust you with their credit.

You should choose this person carefully, though — while your personal score can benefit if the person uses their credit responsibly, it can also be lowered if they do not.

Get Errors Removed

If you notice errors on your credit report, getting these removed is an easy way to increase your credit score quickly. This is why we highly recommend using a credit monitoring service, as you’ll be notified immediately if any suspicious activity appears on your credit report.

Hot Tip:

Take a look at our complete guide to the best business credit cards available right now!

Final Thoughts

The Ink Business Cash card is a top-notch Chase business card that can earn business owners tons of cash-back rewards with a $0 annual fee.

If you’re considering adding the Ink Business Cash card to your wallet and have good credit and a couple of years of blemish-free credit history, you should have strong approval odds!

Frequently Asked Questions

How hard is it to get the Ink Business Cash card?

If you have a good credit score and a few years of clean credit history, you should have high approval odds for the Ink Business Cash card.

What credit score do you need for the Ink Business Cash card?

Generally speaking, having a credit score of 670 or higher, or a business credit score of 75 or higher, should give you reasonably good approval odds.

Does the Ink Business Cash card have an annual fee?

No, the Ink Business Card card does not have an annual fee ($0).

Is the Ink Business Cash card worth it?

If you’re a business owner looking for a no-annual-fee cash-back card, and your business expenses fall within the card’s bonus categories of office supply stores, internet, cable, phone services, gas stations, and restaurants, then the card likely would be very worth it for you.

Do you need an LLC or an EIN in order to get the Ink Business Cash card?

No, you do not need an LLC or an EIN in order to get the Ink Business Cash card. Small business owners who are sole proprietors can apply for the Ink Business Cash card using their Social Security number.

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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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