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Review: Chase Ink Business Cash® Credit Card

Kurt Adams

Kurt Adams

January 11, 2024

6 min read

Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.

Table of Contents

Who is the Ink Business Cash® Card for?

This no-annual-fee business card is a great option for small businesses and freelancers who spend a lot on telecom services and office supplies.

Quick facts about the Chase Ink Business Cash Card?

card_name

card_name

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Earning rate:

  • 5% cash back on the first $25,000 spent on purchases at office supply stores and on cable, internet, and phone services
  • 2% cash back on the first $25,000 spent at gas stations and restaurants
  • 1% cash back on all other purchases

Welcome offer: bonus_miles_full

Pros and cons

Pros:

  • High bonus rates on select categories of internet, cable, and phone services
  • No annual fee business credit card
  • Pairs well with other Chase cards

Cons:

  • Foreign transaction fee
  • Limited travel benefits
  • Mediocre earning rate outside of bonus categories
Our take

Ink Business Cash® Credit Card Review

Whether you run an online business that ships products to consumers, or just spend a lot on office supplies and telecommunications, the card_name stands out because of the high earning rate it offers. You can earn 5% cash back on office supply stores and internet, cable, and phone services on the first $25,000 spent each account anniversary.

Even better, these benefits come with no annual fee. The current welcome offer is: bonus_miles_full

Earning rewards with Ink Business Cash® Credit Card

The card_name earns cash-back rewards in the form of Ultimate Rewards® points. Here’s the earning structure:

  • 5% cash back on the first $25,000 spent on purchases at office supply stores and on cable, internet, and phone services
  • 2% cash back on the first $25,000 spent at gas stations and restaurants
  • 1% cash back on all other purchases 

Redeeming points with Ink Business Cash® Credit Card

You could redeem the points you earn in the form of statement credit, cutting your bill each month. 

However, if you have an Ink Business Preferred®, Chase Sapphire Reserve®, or Chase Sapphire Preferred Card®, you can combine the Ultimate Rewards® points you earn from the Chase Ink Cash to one of those three cards. 

Then, you’ll be able to transfer the points to airline and hotel partners for free travel. We walk you through the process of moving the Ultimate Rewards® points in this guide. 

Welcome offer on the Ink Business Cash® Credit Card

The welcome offer on the card_name is currently: bonus_miles_full.

The great thing about this current offer is that it is a two-part offer. This makes the spending requirement much easier to achieve. You are eligible to earn the full offer, but you do so in two parts:

  • The first tier: $3,000 in eligible spending in the first 3 months earns you $350 or 35,000 points
  • Second tier: Spend another $3,000 in the first six months to get an additional $400 or 40,000 bonus points.

To complete the full welcome offer, you'd have to spend $6,000 total in six months after opening.

What can you get with 75K points? If you have one of the card mentioned above, you could redeem these points with Chase transfer partners to get:

  • A roundtrip business class ticket to Paris on Air France. Depending on the dates of your reservation, this could be worth a premium economy ticket.
  • Transfer the points to British Airways and you could fly a family of four in economy class roundtrip to the Bahamas. 
  • Transfer the points to Iberia Avios and you could get one roundtrip to Madrid.

Additional benefits on the Ink Business Cash® Credit Card 

  • Employee business cards at no additional cost: You can set employee spending limits.
  • Auto rental collision damage waiver: Useful for when renting a car on business trips
  • Purchase and extended warranty protection: Shop with peace of mind

Complementary cards to Ink Business Cash® Credit Card

The card_name is part of Chase’s suite of business credit cards. Here’s the others:

Ink Business Cards Compared

card_name
card_name
card_name
card_name
card_name
card_name
Annual fee
annual_fees
annual_fees
annual_fees
Foreign transaction fees
foreign_transaction_fee
foreign_transaction_fee
foreign_transaction_fee
Earning rate
  • 5% cash back on the first $25,000 spent on purchases at office supply stores and on cable, internet, and phone services
  • 2% cash back on the first $25,000 spent at gas stations and restaurants
  • 1% cash back on all other purchases

Earn unlimited 1.5% cash back on every purchase you make for your business

  • 3X points per $1 on the first $150,000 spent in the following categories each account anniversary: 
    • Shipping
    • Ads on social media or search engines
    • Internet, cable, and phone services
    • Travel
  • 1X point per dollar spent on all other purchases 
Welcome offer
bonus_miles_full
bonus_miles_full
bonus_miles_full
Our take

This card's earning sweet spot is internet, phone and office supply stores!

This card earns a flat 1.5% on all eligible business purchases. 

This card's points transfer directly to travel partners. 

Card benefits
  • Employee business cards at no additional cost: You can set employee spending limits.
  • Auto rental collision damage waiver: Useful for when renting a car on business trips
  • Purchase and extended warranty protection: Shop with peace of mind
  • Employee business cards at no additional cost: You can set employee spending limits.
  • Auto rental collision damage waiver: Useful for when renting a car on business trips
  • Purchase and extended warranty protection: Shop with peace of mind
  • Points transfer 1:1 to Chase airline and hotel partners
  • Employee cards at no additional cost. You can set employee spending limits.
  • Auto rental collision damage waiver: Rent a car with peace of mind.
  • Purchase protection and extended warranty protection

Ink Business Preferred® Credit Card

If you spend significantly on internet, cable and phone services, but would rather have a business credit card that earns travel points instead of cash-back rewards, the card_name might be worth considering. That said, if you have another Chase card that earns transferable, flexible travel points, like the card_name, you can simply combine the points you’d earn on the Chase Ink Cash and redeem them for travel through the Sapphire card’s network of Ultimate Rewards® transfer partners.

Read our review

Ink Business Unlimited® Credit Card

For small business owners who spend less on office supplies or telecom services, the card_name might be a better option. It also comes with no annual fee and offers cash-back rewards at a flat rate of 1.5%. This could also be a complementary card to pair with the Chase card_name.

Read our review

Alternative to Ink Business Cash® Credit Card

American Express® Business Gold Card

If you want to earn bonus points on business spending, but the types of business expenses vary month to month, the card_name (See Rates and Fees) might be a good option. You can earn 4X Membership Rewards points on the two categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (and 1X after).

While it does not earn as high at office supply stores, the card_name does offer a monthly statement credit towards these expenses. You can earn up to $20 in statement credit at office supply stores, as well as at FedEx, and Grubhub. This can be an annual savings of up to $240. Enrolled required.

This comes at a bit of a higher price tag though. The annual fee is: annual_fees

 

Credit card type
Annual fee
Welcome offer
Earning rate
card_name
card_name
annual_fees
(See Rates and Fees)
bonus_miles_full
  • 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Frequently asked questions about the Chase Ink Business Cash Card

How is the welcome bonus paid?
The welcome bonus comes in the form of Chase Ultimate Rewards® points. You can redeem it for cash back in the form of statement credit, but if you have other Chase travel cards, you can transfer points to redeem with travel partners.
Can freelancers apply for the Chase Ink Business Cash card?
Yes. Freelancers, sole proprietors, and entrepreneurs can apply for the Ink Business Cash card. If you have a side hustle or sell items online, you might qualify for a business credit card. 
What counts as office supply stores with the Chase Ink Business Cash card?
Office supply stores is determined by the merchant code on your credit card statement. From past experience, Staples and Office Depot count. Chase outlines its own criteria about [rewards categories](https://www.chase.com/personal/credit-cards/rewards-category-faq).

Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.

See Rates and Fees for the card_name

Kurt Adams

Kurt Adams

Marketing

Published January 11, 2024

Last updated March 21, 2024

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