Why the Ink Business Cash Card Is Essential to My Point-Earning Strategy

I’ve had the Ink Business Cash^® Credit Card in my wallet for more than a decade, and it’s still a vital part of how I earn travel rewards. It was also the first business card I opened in 2012 to assist me in separating my personal expenses from those of my sole proprietorship “side hustle” as a certified real estate agent.

Here are the reasons why the Ink Business Cash card is so popular among points enthusiasts and why it will continue to be a key component of my annual strategy to earn tens of thousands of dollars in travel rewards.

Generous Welcome Offer for a No-Annual-Fee 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.

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

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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.

Welcome Offer

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's Bonus Valuation*:

Up to $750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 17.74% - 25.74% variable thereafter.

Credit Recommended

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)

Why We Like 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 17.74% - 25.74% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

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
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

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Card Highlights

• 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
• 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; 17.74% - 25.74% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Only a few cards are available that offer 5% cash-back on specific spending categories, and it’s even rarer to find cards with no annual fee that provide this high earning rate. The Ink Business Cash card is one of those cards.

The Ink Business Cash card is one of several highly regarded Chase business card options available on the market. Its current welcome offer adds further value to this already impressive card.

The welcome bonus for this business credit card is advertised as cash-back, but it is actually disbursed in the form of Chase Ultimate Rewards points. These points can be redeemed for cash-back, purchases through the Chase travel portal, gift cards, and other options.

If you have a premium Chase credit card such as the Ink Business Preferred^® Credit Card, Chase Sapphire Reserve^®, or Chase Sapphire Preferred^® Card, you can combine the points you earn from your Ink Business Cash card with these cards.

The significant welcome offer is only the cherry on top of the card’s long-term value due to its elevated earning rates and lack of an annual fee.

Complementary Bonus Categories

The Ink Business Cash card plays a crucial role in one of my most important points-earning strategies, referred to as the Chase Trifecta. This strategy involves using a combination of 3 popular Chase credit cards. These cards have bonus categories that complement each other, earning you substantial amounts of points.

One combination of cards that I use for my Chase Trifecta includes the Chase Sapphire Preferred card, Chase Freedom Flex℠, and the Ink Business Cash card. These cards all have various bonus categories and work well together to allow you to earn extra points in practically every popular spending category.

For example, I get 3x points at restaurants, including delivery and takeout, and 2x points on travel purchases with my Chase Sapphire Preferred card. Then, I utilize my Freedom Flex card for 5% cash-back on rotating quarterly bonus categories (up to $1,500 each quarter; activation required) on common everyday spending categories such as gas stations, Amazon.com, and grocery stores. Finally, with my Ink Business Cash card, I earn 5% cash-back at office supply stores and on my cell phone, internet, and cable TV services.

With these 3 cards, I can move all the points I earn with the Ink Business Cash card and the Freedom Flex card to my Chase Sapphire Preferred card account and redeem them for travel. The best part is that I only pay 1 annual fee total (for the Chase Sapphire Preferred card) for a strong earning plan across 3 cards.

Cash-Back Can Be Turned Into Robust Travel Rewards

The Ink Business Cash card functions as a cash-back card by itself. However, you can turn your cash-back into points if you possess an Ultimate Rewards card, such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card. This allows you to transfer all your rewards to any of Chase’s hotel and airline partners.

If I don’t want to transfer my points to a transfer partner (which I usually do since that’s how I get the most value out of my points), I can book travel directly through the Chase Travel portal. Points can be redeemed at a rate of 1.25 cents each with the Chase Sapphire Preferred card or 1.5 cents each with the Chase Sapphire Reserve card.

As a World of Hyatt Globalist member, my preferred method of redeeming Ultimate Rewards points is by transferring them to the World of Hyatt program for free hotel stays. However, I also find it beneficial to occasionally transfer points to airlines like United, Southwest, and British Airways, as they are valuable transfer partners. I appreciate the fact that I can earn cash-back and convert it into valuable travel rewards, especially when I combine it with other Ultimate Rewards-earning cards.

Earning 5% Cash-Back on Internet, Cable, and Phone Services

Earning 5% cash-back on your monthly bills has never been more simple. The Ink Business Cash card is a “set-it-and-forget card” for me when it comes to paying my monthly bills for T-Mobile, Xfinity, and even YouTube TV (while it codes as streaming services, it still earns 5% cash-back). This is because the card earns 5% cash-back on all of these monthly expenses.

I spend around $350 monthly on these expenditures, which amounts to about $4,200 per year. According to our valuations, this translates to 21,000 points annually, worth $210 in cash or $420 towards travel. For a card without an annual fee, this is really outstanding.

Lucrative Earnings at Office Supply Stores

In addition to earning 5% cash-back (which can be converted to 5x points) on several monthly bills, such as my cell phone and internet bills, the Ink Business Cash card also earns 5% cash-back at office supply stores (on the first $25,000 spent at office supply stores and on internet, cable, and phone services combined each account anniversary year).

Despite the fact that I don’t shop frequently at office supply stores like Staples or Office Depot, whenever I’m near one and need office supplies, I stop in to purchase these items and some gift cards.

Because office supply stores sell gift cards from many third-party merchants, including Amazon, Home Depot, and Airbnb (among others), I can effectively earn 5x per dollar on all my purchases with the merchants I shop with by purchasing gift cards.

Decent Earnings at Gas Stations and Restaurants

While there are cards with higher earning rates on purchases at gas stations and restaurants, it’s nice to know that the Ink Business Cash card earns a respectable 2% cash-back on the first $25,000 spent each account anniversary year at gas stations and restaurants combined.

If you have the Freedom Flex card and gas purchases aren’t part of its quarterly bonus categories, you could do worse than using the Ink Business Cash card to pay at the pump.

And while I’ll continue to pay for meals out with my Chase Sapphire Preferred card (3x points per dollar) or American Express^® Gold Card (4x points per dollar, up to $50,000 in spending per year), it’s good to know that the Ink Business Cash card still earns a reasonable 2% cash-back when eating out.

Final Thoughts

Due to its excellent earning rates on some of the most frequent monthly expenses, such as phone, internet, and cable bills, and the lack of an annual fee, the Ink Business Cash card is one of my favorite travel rewards cards.

The card continues to be the foundation of my Chase Trifecta strategy, which allows me to accumulate valuable travel rewards. I intend to keep using the Ink Business Cash card to earn hundreds of dollars towards travel for years to come.