How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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Ink Business Cash® Credit Card

Ink Business Cash<sup>®</sup> Credit Card

Ink Business Cash® Credit Card

Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
Sign Up Bonus
Earn $750 bonus cash back
Cash Back Rewards
Earn 5% cash back in select business categories
Edited by
Julie Sherrier
Reviewed by
Alexandria White
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Ink Business Cash® Credit Card card best for?

The Ink Business Cash® Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others.

Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee.

This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate on those purchases and would be better off looking at travel business cards.

Ink Business Cash® Credit Card overview

    • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
    • 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
  • Credit needed:
    750 850
    Excellent
  • Free employee cards
  • Travel and emergency assistance services
  • Extended warranty protection
  • Purchase protection
  • Primary auto rental collision damage waiver

Intro Purchase APR

0% Intro APR on Purchases for 12 months

Regular Purchase APR

13.24% - 19.24% Variable

Intro BT APR

N/A

Regular BT APR

13.24% - 19.24% Variable

Annual Fee

$0

Cash Advance Fee

Either $15 or 5% of the amount of each transaction, whichever is greater.

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Balance Transfer Fee

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

Pros and cons

Pros

  • Generous signup bonus
  • High rewards rate on common business expenses
  • Intro APR on purchases
  • $0 annual fee

Cons

  • Earnings cap on rewards earnings
  • Excellent credit needed for approval
  • Low earnings rate for travel expenses
  • High signup bonus spending requirement

What we like about the Ink Business Cash® Credit Card

  • Signup bonus

    Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

  • Intro APR on purchases

    If you need time to pay off a large purchase, the Ink Business Cash® Credit Card offers the following intro APR: 0% Intro APR on Purchases for 12 months, after which an APR of 13.24% - 19.24% variable will apply.

  • Elevated rewards on business expenses

    The Ink Business Cash® Credit Card can help offset the cost of everyday business expenses. 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 card purchases with no limit to the amount you can earn.

    You can use your points to redeem for cash through an account statement credit or electronic deposit into an eligible checking or savings account, for gift cards or for travel. When you use points to redeem for gift cards and travel, each point is worth $0.01, which means that 100 points equals $1 in redemption value.

  • Annual fee

    The Ink Business Cash® Credit Card charges a $0 annual fee.

  • Primary rental car insurance

    While many cards may offer car rental collision coverage, that coverage may be “secondary,” meaning this coverage kicks in after any claims are made through your insurance. The Ink Business Cash® Credit Card offers primary car rental insurance, which saves you the hassle of having to deal with your own auto insurer.

What to watch out for with the Ink Business Cash® Credit Card

  • Foreign transaction fee

    If traveling abroad, it’s best to use a card that doesn’t charge foreign transaction fees. The Ink Business Cash® Credit Card will assess 3% of each transaction in U.S. dollars on purchases made overseas.

  • Spending cap on bonus categories

    It’s important to note that there is an annual spending cap for earning the higher rewards rates. After your business hits that cap, you’ll only be able to earn 1% cashback on all purchases.

Alternate business card

Compare it to the Ink Business Preferred℠ Credit Card

Disclosures |
Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
on Chase's secure site
N/A
15.99%-20.99% Variable
$95
Earn 3 points per $1 on the first $150,000 spent in combined
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

The Ink Business Cash® Credit Card and the Ink Business Preferred℠ Credit Card are both issued by Chase, but they differ in annual fee, rewards and 0% intro period.

The Ink Business Cash® Credit Card has a $0 annual fee while the Ink Business Preferred℠ Credit Card has a $95 annual fee. The fee may be worth it if your business spends more in the high-earning categories that the Ink Business Preferred℠ Credit Card offers. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

The Ink Business Preferred℠ Credit Card offers a benefit where points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. This is a great way to increase your rewards and makes the Ink Business Preferred℠ Credit Card the better card for businesses wanting a travel-centric card.

Some key differences are the lack of a 0% intro APR period with the Ink Business Preferred℠ Credit Card, but the Ink Business Preferred℠ Credit Card charges $0 foreign transaction fees, has a higher spend cap for purchases earning the higher rewards rate, plus a more generous sign up bonus: Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

In exchange for an annual fee, the Ink Business Preferred℠ Credit Card also comes with more travel benefits as well as cellphone insurance.

Compare the Ink Business Cash® Credit Card to similar cards

Ink Business Cash® Credit Card
Comparison of four different credit cards
Ink Business Cash<sup>®</sup> Credit Card Ink Business Preferred℠ Credit Card Ink Business Unlimited<sup>®</sup> Credit Card Capital One Spark Cash Select - $500 Cash Bonus
Ink Business Cash® Credit Card Ink Business Preferred℠ Credit Card Ink Business Unlimited® Credit Card Capital One Spark Cash Select - $500 Cash Bonus
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Apply Now
on Capital One's secure site
Annual Fee
$0 $95 $0 $0
Welcome Offer
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
Rewards Rate
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 card purchases with no limit to the amount you can earn. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Earn unlimited 1.5% cash back on every purchase made for your business 1.5% Cash Back on every purchase
Intro Purchase APR
0% Intro APR on Purchases for 12 months N/A 0% Intro APR on Purchases for 12 months N/A
Regular APR
13.24% - 19.24% Variable 15.99%-20.99% Variable 13.24% - 19.24% Variable 13.24% - 19.24% (Variable)
Intro Balance Transfer Rate
N/A N/A N/A N/A
Regular Balance Transfer Rate
13.24% - 19.24% Variable 15.99%-20.99% Variable 13.24% - 19.24% Variable 13.24% - 19.24% (Variable)
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater. Either $5 or 5% of the amount of each transfer, whichever is greater Either $5 or 5% of the amount of each transfer, whichever is greater. $0 at this Transfer APR
Recommended Credit
Excellent Excellent Excellent/Good Excellent
Card Details
Ink Business Cash® Credit Card Ink Business Preferred℠ Credit Card Ink Business Unlimited® Credit Card Capital One Spark Cash Select - $500 Cash Bonus

Is the Ink Business Cash® Credit Card card right for you?

The Ink Business Cash® Credit Card is a great card for businesses that spend at office supply stores and on internet, cable and phone services. Not only will you enjoy a higher rate on these purchases than with competing cards, but you will also get a solid intro period for new purchases, allowing you to take time to pay off new transactions without accruing interest — all great benefits for $0 annual fee.

Apply Now
on Chase's secure site