Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
The Ink Business Cash® Credit Card is a cash back card for small business owners who want purchasing power combined with increased rewards on business purchases like office supplies, internet, cable, and phone services, gas, and restaurant purchases. The Ink Business Cash carries no annual fee.
The card’s biggest strength is its bonus cash back categories. The Ink Cash earns 5% cash back on the first $25,000 in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services. The card also earns 2% on $25,000 in combined purchases at gas stations and restaurants, plus 1% cash back on all other purchases. Although rewards are marketed as cash back, the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Chase Ultimate Rewards® card and redeemed for greater value.
The Chase Ink Business Cash® credit card also offers a handful of benefits useful to small business owners, including primary auto rental collision damage waiver when renting for business, purchase protection and extended warranty protection.
Learn how to apply.
Annual fee: annual_fees
Ink Business Cash® Credit Card sign-up bonus
bonus_miles_full
In addition to the bonus, you can get a 10% bonus of all eligible cash back earned in your first year if you also have a Chase Business Checking account. Offer is only available for Ink Business Cash cards opened between March and November 2024.
This is the easiest Chase Ink sign-up bonus to earn.
More about this card
Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.
Rewards:
5% on Lyft rides through March 2025.
5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.
Learn more:
Learn more about this card in our guide to the Ink Business Cash.
Read more about how to use Ultimate Rewards® points in our complete guide.
Chase Ink Business Cash® Credit Card at a glance
Here’s what you need to know about the Chase Ink Business Cash® Credit Card.
Rewards
| Office supply stores | 5%* | |
| Internet, cable, and phone services | 5%* | |
| Gas stations | 2%** | |
| Restaurants | 2%** | |
| All other purchases | 1% |
*Only the first $25,000 in combined spending each cardmember year earns 5% in these bonus categories.
**Only the first $25,000 in combined spending each cardmember year earns 2% in these bonus categories.
Rewards are earned as Chase Ultimate Rewards points, which can be redeemed for cash back at one cent per point. You can get more than one cent per point of value from Ultimate Rewards if you hold an additional premium credit card. See below for more details.
Benefits
| Consumer insurance benefits Extended warranty Purchase protection Cell phone protection | |
| Travel insurance benefits Auto rental collision damage waiver |
Other important terms
| Annual fee: $0 | |
| Foreign transaction fee: 3% |
Welcome bonus
Learn how to apply.
Annual fee: annual_fees
Ink Business Cash® Credit Card sign-up bonus
bonus_miles_full
In addition to the bonus, you can get a 10% bonus of all eligible cash back earned in your first year if you also have a Chase Business Checking account. Offer is only available for Ink Business Cash cards opened between March and November 2024.
This is the easiest Chase Ink sign-up bonus to earn.
More about this card
Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.
Rewards:
5% on Lyft rides through March 2025.
5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.
Learn more:
Learn more about this card in our guide to the Ink Business Cash.
Read more about how to use Ultimate Rewards® points in our complete guide.
Rewards: Up to 5% cash back at office supply stores and internet, cable, and phone services.
The Ink Business Cash® Credit Card is particularly rewarding for small businesses that spend money at office supply stores and on internet, cable, and phone services, but it also offers decent rewards at restaurants and gas stations. Here’s how the Ink Cash earns rewards for spending:
- 5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
- 5% on Lyft rides through March 2025.
- 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- 1% on all other purchases.
Although the Ink Business Cash® Credit Card is marketed as a cash back card, the card earns Ultimate Rewards® points, which can be redeemed for cash back. For more on the rewards of the Ink Business Cash® Credit Card, expand any of the sections below:
How to get the most out of your rewards
If you hold only the Ink Business Cash® Credit Card, your best bet is to redeem your rewards for cash back at 1 cent per point. Here are the only redemption options you should usually consider:
- Cash back. You’ll receive 1 cent for each of your points when you redeem them for cash back.
- Gift cards on sale. Gift cards on sale can be a good use of your rewards. Normally you’ll receive 1 cent per point for gift card redemptions, but Chase frequently puts popular brands on sale for 10% off.
- Pay Yourself Back®. Pay Yourself Back® periodically offers promotions that give you greater than 1 cent per point of redemption value. Redeeming your points through a Pay Yourself Back promotion can give you more value than you’ll get through cash back redemptions.
However, you can get much better value for your points when you pair your Ink Business Cash® Credit Card with a premium credit card that earns Ultimate Rewards® and transfer your points to that card. Transferring your points can be done online through Chase.com.
- Small business owners will be most interested in the Ink Business Preferred® Credit Card, which allows you to book travel using your points through Chase Travel℠ at 1.25 cents per point. (10,000 points are worth $125 in travel bookings.) The Chase Sapphire Preferred® Card also offers this same benefit.
- The Chase Sapphire Reserve® gives you even better value—allowing you to book travel at 1.5 cents per point. (10,000 points are worth $150 in travel bookings.)
- All three cards enable transfers to Chase’s Ultimate Rewards® transfer partners. Learn more in our guide to Ultimate Rewards®.
Earning more rewards
The Ink Business Cash® Credit Card offers you a few additional ways to earn extra rewards using your card:
- Chase Offers is a card-linked merchant offers program. When you add a Chase Offer to your card and make a qualifying purchase, you can earn additional cash back on your purchase.
- Shop through Chase is Chase’s online shopping portal. You can earn additional points when you click through to partner merchants from the Chase portal and make a purchase.
- Chase Refer-A-Friend allows you to earn additional points when someone you refer applies through your link and is approved for a Chase credit card. Ink Business Cash® Credit Card cardholders can refer small business owners to other Chase Ink-branded cards.
How to apply:
Learn how to apply.
Annual fee: annual_fees
Ink Business Cash® Credit Card sign-up bonus
bonus_miles_full
In addition to the bonus, you can get a 10% bonus of all eligible cash back earned in your first year if you also have a Chase Business Checking account. Offer is only available for Ink Business Cash cards opened between March and November 2024.
This is the easiest Chase Ink sign-up bonus to earn.
More about this card
Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.
Rewards:
5% on Lyft rides through March 2025.
5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.
Learn more:
Learn more about this card in our guide to the Ink Business Cash.
Read more about how to use Ultimate Rewards® points in our complete guide.
A few notes on applying for Chase cards
- 5/24 rule. Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened, especially for Ink cards. See our coverage about Chase 5/24 for more.
- Only one Sapphire-branded card. You can only hold one Chase Sapphire-branded card at a time. This means you can have either a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, but not both.
- You can get a welcome bonus on a Chase card, even if you’ve had the card previously. How often you can earn a welcome bonus on a Chase card varies by card family.
- Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
- Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
- Marriott cards have their own special rules.
- Chase will match an increased bonus. If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
- In-branch offers are sometimes better. Chase sometimes has better credit card welcome offers in-branch than it will publish on its own website or through affiliate networks. Check all channels to make sure you’re getting the best bonus.
- Chase business cards do not report to personal credit reports and do not impact your 5/24 status as long as they are current.
Should you keep the card after the first year?
The Chase Ink Business Cash® Credit Card is offered with no annual fee. As it is a business credit card, it will not report to your personal credit report unless you make a late payment, so it won’t help you build your credit. But if you frequently purchase items at office supply stores, charge internet, cable or phone services to your card or use the card for restaurant purchases, it can be well worth keeping this card around. Here are the benefits that might make this card worth keeping after the first year.
- 5% earnings on office supply store purchases
- 5% earnings on internet, cable and phone services
- 2% earnings at gas stations
- 2% earnings at restaurants
- Extended warranty and purchase protection
- Primary auto rental collision damage waiver insurance when renting for business on a no-annual-fee card
Card benefits
In addition to earning generous rewards across a variety of business categories, the Chase Ink Business Cash card offers a limited suite of benefits for small business owners who travel or purchase durable goods using the card.
Primary auto rental collision damage waiver (when renting for business): Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase insurance benefits: Protect the stuff you buy
Purchase insurance benefits protect the things you buy using your card. They include purchase protection, return protection, and extended warranty. Here’s what you’ll get with the Chase Ink Business Cash® Credit Card:
| Benefit | Available on the Chase Ink Business Cash® Credit Card? | Essential terms |
|---|---|---|
| Purchase protection Protects against damage, theft, and certain types of loss. | 120 days from purchase $500 per claim $50,000 per account | |
| Return protection If a merchant won’t offer a refund for a refund of a product, return protection can reimburse you. | – | |
| Extended warranty protection Extends the warranty on the items you buy. | Adds 1 year to eligible warranties of 3 years or less $10,000 per claim $50,000 per account |
A strong purchase protection benefit and an extended warranty benefit make the Chase Ink Business Cash® Credit Card an excellent card to use for durable goods that you might purchase for your business. The card’s 120 day purchase protection beats many cards’ benefits, which typically cap out a 90 days. Unfortunately, the card’s lack of return protection means you may want to consider another card when shopping at a retailer with a stingy return policy.
When purchase insurance benefits matter
Purchase insurance benefits matter more as the replacement cost of the non-consumable stuff you buy increases. Electronics like cell phones, computers, and office equipment or household durable goods like furniture, and kitchen appliances are examples of purchases that you might consider using a card that earns less in rewards if it has better purchase insurance benefits.
As a rule of thumb, if you would ever repair or sell a physical, non-consumable item buy, you should probably choose a card with robust purchase insurance over a card that earns more cash back.
Learn more about purchase protection, return protection, and extended warranty protection.
Frequently asked questions
Can I get multiple Chase Ink Business Cash cards?
In practice, readers have reported that Chase will allow you to get multiple Chase Ink Business Cash cards. This can be useful if you maximize the card’s 5% categories and want another card to use for an additional $25,000 of 5% spending.
Can I have both the Ink Business Cash and Ink Business Unlimited cards?
Chase lets small business owners hold any combination of their four Ink-branded credit cards: Ink Business Cash®, Ink Business Premier, Ink Business Unlimited®, and Ink Business Preferred®
What is included in the office supply category of the Ink Business Cash?
Office supply stores are stores that specialize in selling a variety of office supplies. Merchants that sell a wide variety of general goods like discount stores, department stores, or electronics stores, are not included in this category. Wholesale distributors are not included.
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Read more about the Ink Business Cash® Credit Card
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Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
