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Ink Cash® Business Credit Card

Tom Broucksou
Updated on: 08/31/2017
RE®: 74
Our Rating
Ink Cash® Business Credit Card
How to Apply

To apply for this offer please contact
Chase Bank

For excellent/good credit
"The Ink Cash’s impressive earning potential and no annual fee make it tough to pass up"

The Ink Business Cash credit card is great no-fee offering from Chase. Its best features, including excellent earning potential and a respectable sign-up bonus, rival some premium rewards cards that charge annual fees.

You’ll get an impressive 5 percent back at office supply stores and for phone, internet and cable services. You’ll also get 2 percent back at gas stations and restaurants. If that’s not enough, the sign-up bonus is 30,000 points, or $300 cash back, after spending $3,000 in three months.

That’s great, but to get the full potential out of this card you’ll want to pair it with a premium Ultimate Reward credit card, like either the Chase Sapphire Preferred or Reserve. When combined with one of these cards, the Ink Cash becomes more than just an excellent cashback card. You’ll be able to transfer points to all of the Ultimate Rewards program’s airline and hotel partners, as well as redeem for travel through the UR website at a discount.

Like Chase’s popular Freedom card, the Ink Cash is worth getting for the 5 percent bonus categories alone. And once you add a premium UR card, it becomes even more valuable. If you qualify for this small business card, you should definitely add it to your arsenal.

Bonuses and Benefits

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Ink Cash® Business Credit Card offers and the value of the Chase Ultimate Rewards® points you earn.

Bonuses

The Ink Cash card comes with a 30,000-point sign-up bonus after spending $3,000 in three months. If you redeem for cash back, that bonus is worth $300. That’s a fantastic bonus for a no annual fee card. You could also transfer those points to a premium Chase Ultimate Rewards credit card account, like the Sapphire Preferred or Sapphire Reserve, and get even more value for your bonus by redeeming for travel.The card also comes with 0% APR for 12 months for both new purchases and balance transfers. That makes it a good option for financing big purchases or investing in your business. While it might also be a good choice for paying down existing debt due to the interest-free transfer period, it’s important to note that you’ll have to pay a relatively high 5 percent balance transfer fee, even during the first year.

What You Get

  • Earn 30,000 points worth $300 cash back after spending $3,000 within the first 3 months
  • 0% APR for 12 months on new purchases and balance transfers
  • 5% back at office supply stores and for internet, cable and phone services
  • 2% back at gas stations and restaurants

Your points never expire as long as your card account remains open. You can save your rewards for a big payout or cash them in every billing cycle. It’s entirely up to you.

Everyday Earning

This card has very impressive earning potential. That’d be true even if it wasn’t a no-fee card. You’ll get five points per dollar spent at office supply stores and on internet, cable and phone services. You’ll also get two points per dollar at gas stations and restaurants. Both of those categories max out at $25,000 a year, for a total of $50,000 of bonus-earning spending. After you reach those limits, you’ll get one point per dollar.

Chase Ink Business Cash Credit Card Rewards

Customize your spending detailsSpecify your parameters
Your Monthly Charges
Rewards You Will Earn Annually
24,000points$240in dollar value
Travel
1points/$1
Hotel
1points/$1
Grocery
1points/$1
Gas
2points/$1
Dining
2points/$1
All Other Purchases
1points/$1

It’s worth noting that the bonus categories that come with this card cover the types of purchases that most of us make regularly. You’ll earn a lot of points for recurring bills, such as gas, internet, telecommunications and cable.

Travel Benefits

The Ink Business Cash is not a travel rewards card, so it does not offer any exclusive travel benefits.

Foreign Transaction Fee

This card incurs a 3% transaction fee for all purchases made outside of the U.S.

Fees: the cost of Having the Card

The Ink Cash card costs nothing to hold because it has no annual fee. That means that all of the rewards you earn with the card are essentially net profit. That includes the 30,000-point sign-up bonus that’s worth $300 in cash back.

Annual Fee:
$0
Balance Transfer Fee:

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Late Payment Fee:
$15 if the balance is less than $100; $29 if the balance is $100 or more, but less than $250; and $39 if the balance is $250 or more

The Ink Business Cash credit card has no annual fee. You do not have to earn a certain amount of rewards in order to cover the cost since it’s free. It’s still good to know roughly how much you’ll be earning, though. We’ve broken out our estimates for the first- and second-year net earnings.

These estimates are based on an annual monthly spend of $2,000

First Year

Signup Bonus
$300
Anniversary Bonus
Everyday Rewards
$240
Statement Credit
Free Bags
Earnings
$540
Foreign Transaction Fees
-$0
APRS Charges
-$0
Annual Fee
-$0
Charges
-$0
Rewards Earned First Year
$540

Second Year

Signup Bonus
Anniversary Bonus
Everyday Rewards
$240
Statement Credit
Free Bags
Earnings
$240
Foreign Transaction Fees
-$0
APRS Charges
-$0
Annual Fee
-$0
Charges
-$0
Rewards Earned Second Year
$240

Top 5 Benefits of the Ink Business Cash Credit Card

You’ll earn a lot of points fast with the Ink Cash card thanks to its generous bonus categories that include recurring expenses, such as gas and cell phones.

  1. Great Earning Potential: You’ll get 5 points per dollar at office supply stores and for internet, cable and phone services. You’ll also get double points at gas stations and restaurants
  2. No Annual Fee: There’s no cost to get and keep this card, which makes all of your rewards a net profit. Why not add it to your wallet?
  3. Excellent Sign-Up Bonus: The card comes with a 30,000-point bonus worth $300 in cash back. That’s impressive for a no annual fee card.
  4. Free Transfers to Other Chase Card Accounts: You can transfer the points you earn with this card to other Chase Ultimate Rewards credit card accounts. If you have a Sapphire card, you’ll be able to transfer to airlines and get discounts on travel purchased through the UR travel portal.
  5. Interest-Free for 12 Months: Get 0% APR for new purchases and balance transfers during your first year as a cardholder.

Conclusion

The Ink Cash’s impressive earning potential and no annual fee make it tough to pass up. You’ll earn 5 percent back on internet, cable and phone services, which are ongoing expenses for most of us. Plus you’ll get 2 percent back at gas stations and restaurants, which are two more categories of purchases that many of us spend a lot on. You’ll also get a quick $300 as a welcome bonus. Really, it’s hard to go wrong with this card.

And if you already have either of the excellent Chase Sapphire cards, the Ink Business Cash would be a great addition to your wallet that could really expand your earnings. With fast and free transfers between Chase card accounts, you’ll be able to pool your Ultimate Rewards points and buy award flights from any of the program’s seven airline partners. You’ll also be able to buy travel at a discount from the UR website. Both are great redemption options that really expand the potential of this card.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • You do, but you might be surprised by what counts as a business. You simply need to prove that you earn some income through independent activities. That includes selling items on eBay or crafts on Etsy, or even just having a garage sale. Obviously anyone who owns a more traditional small business or is an independent contractor will also qualify for this card. If you have any doubts or questions, don’t be afraid to call Chase. Their phone agents should be able to help.

    If you don’t qualify for a business card, Chase also has several similar personal cards. If you’re looking for a no-fee option, you should consider Chase’s Freedom cards. The standard Freedom card also has 5 percent earning categories, whereas the Freedom Unlimited earns 1.5 points per dollar for all purchases.

  • The Ink Cash card is primarily a cashback card. That means that every purchase you make earns cash back. Certain purchases that fall into bonus categories earn more, while many purchases just earn the standard 1 percent return. You can redeem the points you earn for a statement credit or a direct deposit into your bank account.

    You can do a lot more with the Ink Cash card, though, if you also have a premium Chase Ultimate Rewards card. That’s because the points you earn with the Ink Cash card can be transferred to other Chase credit card accounts.

    If you transfer points to your Chase Sapphire Preferred card account, for example, you can then use them to buy award flights directly with the Ultimate Rewards program airline partners. That’s something you can’t do if you only have the Ink Cash card, and you’ll potentially get a lot more value for your points.

  • For the Ink Cash card, Chase is going to look at your personal credit history even if you have established business credit. While most successful applicants report a good to excellent credit score, there’s no guarantee of approval. Chase will consider your entire application when making its decision.

    If you are denied, be sure to call the reconsideration line. Even if you can’t convince Chase to give you a card, you’ll at least find out why you weren’t approved.

Have A Question?
Ask our credit card expert!

Compare Cards

Chase offers two different Ink Business cards, the Ink Cash and the Ink Preferred. The Preferred is the premium offering that comes with more benefits and an annual fee.

Ink Cash® Business Credit Card
For Excellent/Good Credit
Check which Chase card is the right fit for you
How to Apply for this card

To apply for this offer please contact
Chase Bank

Other Ink Business cards

Ink Business Preferred℠credit cardInk Business Preferred℠credit card
Sign-up bonus
80,000 points30,000 points
Annual Fee
$95$0
APR On Purchases
16.99% to 21.99% Variable±14.24% to 20.24% Variable±
Foreign Fee
0%3%
Bonus Value
$1,440$300
Second Year Value
$432$240

Unlike the Ink Cash, the Ink Business Preferred card has a $95 annual fee. For that annual fee you’ll get a bigger sign-up bonus, a higher max on category bonuses, the ability to transfer points to airline and hotel partners, and a discount on travel purchased through the Ultimate Rewards website.

The Preferred card has an 80,000-point bonus, which is 50,000 more points than you get with the Cash card. The Preferred card also has all the benefits offered by the Ultimate Rewards program, which means you can transfer your points to seven airlines and for hotels. You can’t do that if you only have the Ink Cash, though you can transfer points to other card accounts that have that capability.

Both cards allow you to buy travel directly through the UR website, but you’re points will go further with the Ink Preferred since you’ll get a 25 percent bonus. Every point is worth 1.25 cents, instead of just one cent with the Ink Cash.

The bonus categories are a bit different with these cards, too. While you’ll only get maximum of three points per dollar spent with the Preferred card, there are more bonus categories and the cap on spending is much higher.

You’ll get three points per dollar for travel, shipping purchases and social media advertising, as well as for internet, cable and phone services. That bonus maxes out at $150,000 of spending, compared to the Ink Cashes max of $25,000 per category.

The Ink Cash is definitely an easier card to add to other Ultimate Rewards cards since it has no annual fee and great earning potential. But if you want just one UR business card, the Ink Preferred is a better all around choice since you’ll be able to transfer to airlines and get a discount through the UR travel portal.

Compare Ink Cash® Business Credit Card to Other Cards

While it's easy to focus on the rewards offered by the Ink Business Cash credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa Signature Business card.

30,000points offer
Ink Cash® Business Credit Card

Check if Ink Cash® Business Credit Card is the best option for you

  • AARP® Credit Card from ChaseAARP® Credit Card from Chase

    $200 cash back bonus offer

    Read Review
  • Pink Ribbon BankAmericard Cash Rewards™ Credit CardPink Ribbon BankAmericard Cash Rewards™ Credit Card

    $150 cash rewards bonus offer

  • World Wildlife Fund Credit CardWorld Wildlife Fund Credit Card

    $150 cash rewards offer

The Ink Cash is a business card with excellent 5 percent bonus earning categories and a generous sign-up bonus. The other cards are all specialty personal cards that don’t have nearly the same earning potential.

The AARP card from Chase is designed for AARP members. It offers 3 percent back at restaurants and gas stations. That’s not bad for no-fee card, but you can earn 2 percent back in those categories with the Ink Cash, plus 5 percent back at office supply stores and for phone, internet and cable services.

The Pink Ribbon BankAmericard supports the Susan G. Komen foundation that helps fight breast cancer. Cardholders get 2 percent back at grocery stores and wholesale clubs and 3 percent back on gas. Those are great bonus categories, but unfortunately they max out at just $2,500 for all three combined. It’s a good cause, but in terms of cashback rewards, this card doesn’t have a lot to offer.

The World Wildlife Fund BankAmericard is essentially the same card as the Pink Ribbon except it benefits WWF. You’ll earn the same bonuses in the same categories, and you’ll have the same max spending limits. Again, it’s a worthy cause, but not the most lucrative cashback card.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details

Excellent credit score
Issuer
JPMorgan Chase & Co.JPMorgan Chase & Co.
Use miles
No
Pay with points
Yes

Flight Features

Available airline
Any
Loyalty Program
Ultimate Rewards®
Flights Type
Domestic and International
Alliance
Not a member

Travel Partners

Airlines
Yes
Hotels
Yes
Car Rental
No
Cruise
No

Card Terms and Conditions

While it's easy to focus on the rewards offered by the Ink Business Cash credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa Signature Business card.

Purchases

Intro APR:
0% fixed Intro APR for the first 12 billing cycles that your Account is open
Intro APR for balance transfers:
0% fixed Intro APR for the first 12 billing cycles that your Account is open
Ongoing APR:
14.24% to 20.24% Variable±
Minimum Grace Period:
20 days
Extended Warranty Protection:
Extends a U.S. manufacturer’s warranty by an additional year. Warranties of three years or less qualify.
Purchase Protection:
Covers new purchases for up to 120 days against damage or theft . Get up to $10,000 per claim and $50,000 per account.

Cash Advance Features

Ongoing APR:
25.99% Variable±
Cash Advance Fee:
Either $15 or 5% of the amount of each transaction, whichever is greater

Security and Protections

Chase offers a full lineup of security features to help protect you and your credit card account.

Account alerts:
Set up alerts to be notified of any unusual account activity.
Zero Liability:
You’ll never be held responsible for unauthorized charges made to your account.
Chip Enabled Security:
Get an extra layer of security when using a chip card reader.
Employee Spending Limits:
You can set individual employee spending limits for greater control.

Mobile Banking

It’s easy to monitor your card activity and make payments wherever you are with Chase’s mobile banking options.

Chase Mobile App: 
Track account activity, make payments and pay bills from your mobile device.
Digital Wallet:
This card is compatible with Chase Pay, Apple Pay, Android Pay and Samsung Pay.

Additional Cardholder Benefits

While the Ink Business Cash is a Visa Signature Business, it’s also a no-fee card. In other words, it doesn’t come with the most comprehensive set of cardholder travel benefits.

Visa Signature Travel Benefits

Auto Rental Collision Damage Waiver:
Get primary coverage for theft and collision for most rentals in the U.S. and abroad.
Roadside Dispatch:
Call 1-800-847-2869 for roadside assistance, including lockout service, towing, jumpstart and gas delivery. Service charges apply and will be billed to your card.
Travel and Emergency Assistance Services:
Legal and medical referrals, and other travel and emergency assistance is available any time of day. Service charges may apply.