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Between offering its biggest welcome bonus to date, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.
Review: Is the Chase Ink Business Cash credit card right for you?
There are lots of credit cards for business owners to choose from, but rarely do we see a welcome bonus offer this lucrative — especially from a card with no annual fee. The Ink Business Cash® Credit Card is now offering its highest welcome bonus to date — you can earn Ink Business Cash® Credit Card. But this offer is only available for a limited time, so now’s the time to apply.
Along with a huge welcome bonus, the Ink Business Cash® Credit Card has strong 5x and 2x bonus categories and easy-to-use rewards, so it’s worth keeping for the long term.
If you spend a lot in the bonus categories, the Ink Business Cash® Credit Card is especially beneficial. Beyond the considerable earning potential, it comes with purchase and extended warranty protection and primary rental car insurance when you rent for business purposes. It’s rare to see these benefits on cards with no annual fee.
Before you decide on the Ink Business Cash® Credit Card, you may want to consider the Ink Business Unlimited℠ Credit Card as well — especially if you don’t want to keep track of bonus categories. It’s offering the same huge new welcome bonus (also for a limited time), earns 1.5% cash back (1.5x points) on all purchases with no caps, and doesn’t charge an annual fee.
If you don’t mind paying a Ink Business Preferred® Credit Card annual fee, the Ink Business Preferred® Credit Card has an even higher welcome bonus offer. You can earn Ink Business Preferred® Credit Card, and having this card unlocks more options for redeeming your Chase Ultimate Rewards® points.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn rewards from the Ink Business Cash card
With the Ink Business Cash® Credit Card, you’ll earn bonus points for expenses including office supplies, internet, gas, and dining. The bonus categories are designed with small businesses in mind, including:
5% cash back (5 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year2% cash back (2 Chase Ultimate Rewards points per dollar) on the first $25,000 spent (then 1x) in combined purchases at gas stations and restaurants each account anniversary year 1% cash back (1 Chase Ultimate Rewards point per dollar) on all other purchases with no cap
Even though the card is advertised as a cash-back credit card, you’ll actually earn Chase Ultimate Rewards points, which are worth 1 cent each when you redeem them for cash back, gift cards, or travel through the Chase travel portal.
So you’re effectively earning 1 cent per dollar (1% cash back) spent in non-bonus categories, and 2 cents or 5 cents per dollar (2% or 5% cash back) in eligible bonus categories. Your points accrue in your card account and never expire as long as the account is open.
You don’t have to redeem your points for cash back — and you’ll have even more redemption options if you have certain other Chase credit cards.
How to use Chase Ultimate Rewards points
Chase makes it incredibly easy to redeem your Chase Ultimate Rewards points. Just access your account online and navigate to the rewards page. There, you’ll see options to book travel, purchase gift cards, get a statement credit, or deposit cash into your checking account.
Remember, your points are worth 1 cent each for these options.
You’ll also see that you can use your points for Apple merchandise or on Amazon. If you redeem for Apple products, you’ll generally get a rate of 1 cent per point. But each point is worth less than 1 cent when you use them to shop on Amazon, which is a poor value. Amazon makes it easy (and tempting) to use your points this way, but it’s usually the worst deal of them all. The best redemptions are to pay for your next trip or simply get cash directly in your account.
If you have other Chase cards that earn Chase Ultimate Rewards points, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can combine all your points with one of those accounts. From there, you can transfer to Chase’s airline and hotel partners where your points are potentially worth much more.
Currently, the Chase Sapphire Reserve® is also offering an increased limited-time welcome bonus of Chase Sapphire Reserve®.
You’ll also have access to the Chase Pay Yourself Back feature, where you can redeem points for a better value toward eligible everyday purchases (depending on the card you have).
Having multiple Chase Ultimate Rewards cards is an excellent strategy that allows you to take advantage of several different bonus categories. For example, the Chase Sapphire Preferred® Card earns bonus points on travel and dining. So you could use the Chase Sapphire Preferred® Card for your travel and dining purchases, and use your Ink Business Cash® Credit Card to pay for purchases at office supply stores, and for gas, phone, cable, and internet charges — and then combine all your points together and transfer to travel partners via your Chase Sapphire Preferred® Card.
Savvy travelers like to pair Chase Ultimate Rewards cards to maximize the value of their points, but you certainly don’t have to. If you prefer to keep it simple, the strong bonus categories from the Ink Business Cash® Credit Card are enough on their own for cash-back rewards. Just know that if you want to “level up” down the road, adding another Chase Ultimate Rewards card is a good option.
Chase Ultimate Rewards points are worth 1.8 cents each, on average, based on Insider’s points and miles valuations — because when you have a premium Chase card, you can transfer points to partners for award travel.
Benefits and features
Introductory 0% APR on purchases
The Ink Business Cash® Credit Card offers a Ink Business Cash® Credit Card (then a Ink Business Cash® Credit Card APR). This is useful for small businesses that have a lot of big expenses coming up — you can pay off the purchase over time without getting hit with big interest charges.
Primary rental car insurance
The Ink Business Cash® Credit Card can save you lots of money when you’re on the road. You’ll get primary rental car insurance when you rent for business purposes, waive the rental company’s collision insurance, and charge the entire rental cost to your card.
This is an excellent perk for a no-annual-fee card that covers reimbursement in the event of theft or collision damage for most rentals in the US and abroad. Keep in mind liability insurance isn’t included, so you’ll have to pay for that separately or have your own coverage through your personal policy.
Purchase protection
When you use your Ink Business Cash® Credit Card, you’ll get purchase protection and extended warranty protection, which is especially handy for big-ticket items like copiers, televisions, or computers. These features alone can save your business a lot of money should you ever need to use them.
With purchase protection, new purchases are covered for 120 days from damage or theft up to $10,000 per claim and $50,000 per account.
Extended warranty
Extended warranty protection extends a US manufacturer’s warranty by an additional year on warranties of three years or less when you use your Ink Business Cash® Credit Card to pay for an eligible item.
Travel and emergency assistance
If you find yourself needing help during your travels, you can call for emergency assistance as part of your travel benefits. You’ll have to cover the cost of any services rendered, but it’s convenient for arranging help when you’re in an unfamiliar place.
Roadside dispatch
You can also ask for roadside dispatch for things like a tow, jumping a dead battery, or fuel. Again, you’ll be responsible for the cost of the service, but your benefits administrator will coordinate on your behalf.
Zero-liability and fraud protection
The Ink Business Cash® Credit Card comes with protection against fraud and unauthorized charges made to your account. You can set alerts that monitor your account activity and set how and when you receive them.
Should anything happen with your card or account information, zero liability means you won’t be responsible for any charges made without your knowledge.
Fees and costs
There’s a $0 annual fee with the Ink Business Cash® Credit Card, so nothing to worry about there — the card (and all employee cards) are free to keep for as long as you want.
This card does have a foreign transaction fee (3% of each transaction) so it’s best not to use it abroad, but there are plenty of credit cards with no foreign transaction fees to use instead.
Comparison: Chase Ink Business Cash vs other Chase business cards
Ink Business Cash® Credit Card
Ink Business Unlimited℠ Credit Card
Ink Business Preferred® Credit Card
Annual fee
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Ink Business Preferred® Credit Card
Rewards rate
5% cash back (5x points) at office supply stores and on internet, cable, and phone services***
2% cash back (2x points) at gas stations and restaurants***
1% cash back (1x points) on all other purchases
1.5% cash back (1.5x points) on all eligible purchases with no cap
3x points on shipping purchases, advertising purchases on social media sites and search engines, internet, cable, and phone services, and travel*
1x points on all other purchases
Welcome bonus offer
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Ink Business Preferred® Credit Card
Card benefits
Primary car rental insurance (when renting for business purposes)
Extended warranty
Purchase protection
Travel and emergency assistance services
Roadside dispatch
Ink Business Cash® Credit Card, then a Ink Business Cash® Credit Card
Primary car rental insurance (when renting for business purposes)
Extended warranty
Purchase protection
Travel and emergency assistance services
Roadside dispatch
Ink Business Unlimited® Credit Card, then a Ink Business Unlimited® Credit Card
Primary car rental insurance (when renting for business purposes)
Trip cancellation/interruption insurance
Extended warranty
Purchase protection
Travel and emergency assistance services
Roadside dispatch
No foreign transaction fees
Review
Chase Ink Business Unlimited card review
Chase Ink Business Preferred card review
*5% cash back and 2% cash back on the Ink Business Cash® Credit Card on up to $25,000 in combined purchases each year, then 1% cash back.
**3x points on the Ink Business Preferred® Credit Card on up to $150,000 in combined purchases each year, then 1x.
Chase Ink Business Cash vs other small-business cards
Ink Business Cash® Credit Card
American Express Blue Business Cash™ Card
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Annual fee
Ink Business Cash® Credit Card
American Express Blue Business Cash™ Card
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Rewards rate
5% cash back (5x points) at office supply stores and on internet, cable, and phone services***
2% cash back (2x points) at gas stations and restaurants***
1% cash back (1x points) on all other purchases
2% cash back on the first $50,000 spent on eligible purchases each year, then 1% (cash back is received in the form of a statement credit)
5% cash back on prepaid hotels and car rentals booked directly in the US Bank Travel Rewards Center
3% cash back at gas and EV charging stations
3% cash back at office supply stores
3% cash back on cell phone service providers
3% cash back at restaurants
1% cash back on all other eligible purchases
Welcome bonus offer
Ink Business Cash® Credit Card
American Express Blue Business Cash™ Card
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Card benefits
Primary car rental insurance (when renting for business purposes)
Extended warranty
Purchase protection
Travel and emergency assistance services
Roadside dispatch
Ink Business Cash® Credit Card, then a Ink Business Cash® Credit Card
Extended warranty
Purchase protection
Secondary car rental insurance
Global Assist Hotline
Discounts and bonuses through Amex Offers**
American Express Blue Business Cash™ Card, then a American Express Blue Business Cash™ Card
$100 annual software credit
World Elite Mastercard benefits
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®, then a U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® APR
Review
Amex Blue Business Cash card review
US Bank Business Triple Cash Rewards card review
*5% cash back and 2% cash back on the Ink Business Cash® Credit Card on up to $25,000 in combined purchases each year, then 1% cash back.
Like other cards, there are also fees for balance transfers, cash advances, and late or returned payments. The card charges an APR of Ink Business Cash® Credit Card.
Chase Ink Cash frequently asked questions (FAQ)
Is the Chase Ink Business Cash card worth it?
The Ink Business Cash® Credit Card is worth it for small-business owners looking for a cash-back business card with no annual fee and high rewards earning. Moreover, it’s currently offering a huge new welcome bonus offer of Ink Business Cash® Credit Card, but only for a limited time.
However, if your business doesn’t often spend in the card’s bonus earning categories, then you’d be better off with a different business rewards card, like the Ink Business Unlimited℠ Credit Card, which earns 1.5% back (1.5x points) on all eligible purchases.
What credit score is needed for the Chase Business Ink Cash card?
Most folks who qualify for the Ink Business Cash® Credit Card have a good to excellent credit score (FICO score of at least 670).
Who is eligible for the Chase Ink Cash?
The Chase 5/24 rule affects your ability to qualify for Chase credit cards. If you’ve opened five or more cards within the past 24 months (including non-Chase cards) then you won’t be able to get approved for another Chase card, including the Ink Business Cash® Credit Card, while in a “blackout period”.
To qualify for a small-business card like the Ink Business Cash® Credit Card, you’ll need to have some sort of business — but it doesn’t have to be a full-time venture or LLC. Side-gigs and part-time businesses like Uber driving, freelancing, renting your home on Airbnb, or reselling on eBay can all make you eligible for a small-business card.