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.

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.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Ink Business Cash® Credit Card Review

Ink Business Cash<sup>®</sup> Credit Card
Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 18.49% to 24.49% Variable
Sign-Up Bonus
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Cash Back Rewards
Earn 5% cash back in select business categories
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The Ink Business Cash® Credit Card offers an unbeatable cash back rewards rate at office supply stores and on cable, phone, and internet services, all for no annual fee.

Pros and cons

Pros

  • Generous sign-up bonus
  • No annual fee
  • Excellent 5% rewards rate in common business expense categories
  • Introductory APR on purchases
  • No annual fee

Cons

  • Foreign transaction fees
  • 5% and 2% cash back categories each capped at $25,000 in annual purchases
  • High sign-up bonus spending requirement
  • Poor return for non-bonus spend categories

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

The Chase Ink Business Cash® Credit Card is a stand out cash back card for businesses with substantial monthly expenditures at office supply stores and on internet, cable and phone services. It offers a great 5% cash back rate on these purchases. The card also offers bonus rewards on gas station and restaurant purchases.

However, even with its excellent earning rates, the Ink Business Cash® Credit Card won’t be a great fit for all businesses. For starters, the card offers few travel-related benefits, and also has annual caps on its primary spending categories. For businesses that don’t spend in the Ink Business Cash® Credit Card‘s bonus categories, a card with a flat-rate cash back could be a better choice.

Ink Business Cash® Credit Card overview

    • Earn $900 bonus cash back after you spend $6,000 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
    • Round-the-clock monitoring for unusual credit card purchases
    • 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
    • Member FDIC
    720 850
    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

18.49% to 24.49% Variable

Intro BT APR

N/A

Regular BT APR

18.49% to 24.49% 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.

What we like about the Ink Business Cash® Credit Card

  • Sign-up bonus

    The sign-up bonus in itself is a great reason to sign up for this card. You’ll earn the following bonus by meeting a fairly reasonable spending requirement: Offer ending soon: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

  • Excellent Rewards Rate on Common Business Expenses

    The Ink Business Cash® Credit Card offers one of the highest cash back rates you can find on common business purchases. You’ll 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 earn rewards in the form of Chase Ultimate Rewards® points, which are extraordinarily flexible. Not only can you redeem your points for cash back, but you can also redeem points for a variety of other rewards, including gift cards and travel.

      Tip: You can transfer points with your Ink Business Cash® Credit Card to some Ultimate Rewards card — including the Ink Business Preferred® Credit Card — and redeem them for a bonus on travel purchases.
  • 0% Intro APR

    If you need time to pay off a large purchase, the Ink Business Cash® Credit Card offers a 0% Intro APR on Purchases for 12 months, after which an APR of 18.49% to 24.49% Variable will apply. This is an excellent introductory APR, although there are some cards that offer an even longer 0% intro period.

  • 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. However, the Ink Business Cash® Credit Card offers primary car rental insurance on rentals for business purposes within your country of residence and for both personal and business rentals abroad. For personal rentals within your country of residence, the coverage is secondary.

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

  • Foreign transaction fee

    Many cards hit you with extra fees when traveling abroad. Unfortunately, the Ink Business Cash® Credit Card is one of them. You’ll be charged a 3% of each transaction in U.S. dollars. If you plan to travel outside the U.S., you should look for a card that doesn’t charge foreign transaction fees.

  • Spending Cap on Bonus Categories

    Unfortunately the 5% and 2% cash back categories are each capped at $25,000 in purchases each year. After your business hits either of these caps, you’ll only earn 1% cash back in those categories for the remainder of the year. Note that these are pretty generous caps — you can earn up to $1,750 in cash back rewards from the card’s bonus categories before you hit the limit. Still, if you have a business that spends far beyond the $50,000 annual limit, you might consider a card with an unlimited cash back bonus, like the Capital One Spark Cash Plus.

Alternative card to the Ink Business Cash® Credit Card

Compare it to the Ink Business Preferred® Credit Card

| Disclosures
Ink Business Preferred® Credit Card
Ink Business Preferred<sup>®</sup> Credit Card
N/A
21.24% – 26.24% Variable
$95
Earn 3 points per $1 on the first $150,000 spent in combined
  • Earn 100k bonus points after you spend $8,000 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
  • Round-the-clock monitoring for unusual credit card purchases
  • 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.
  • Member FDIC
720 850
Excellent
The information related to the Ink Business Preferred® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

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.

The Ink Business Preferred® Credit Card is a better option for business owners who travel frequently, or who spend more on shipping and advertising. The card doesn’t offer a 5% reward rate on any spending like the Ink Business Cash® Credit Card, but it does earn 3X Ultimate Rewards points on other common business spending categories with a higher annual spending cap. It also has a higher sign-up bonus: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Unlike the Ink Business Cash® Credit Card, the Ink Business Preferred® Credit Card does charge a $95 annual fee — but that fee may be worth it if your business spends more in the high-earning categories that the Ink Business Preferred® Credit Card offers. With the Ink Business Preferred® Credit Card, you can 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.

You can transfer your points to a variety of hotel and airline loyalty programs — a feature not offered by the Chase Ink Business Cash® Credit Card. Your points are also worth 25% more when you redeem them for travel directly through Chase Ultimate Rewards®.

The Chase Ink Business Preferred® Credit Card also includes no foreign transaction fees, making it the better option for traveling abroad. However, it doesn’t offer a 0% intro period. For financing new purchases, you’re better off with the Ink Business Cash® Credit Card.

 

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

The Chase Ink Business Cash® Credit Card is an excellent choice for businesses with substantial spending at office supply stores and on internet, cable and phone services. The earning rates at gas stations and restaurants could also make it a great all-around card for some businesses. Plus, with its generous sign-up bonus and $0 annual fee, there’s little downside to the card.

However, if your business includes travel, the Ink Business Preferred® Credit Card is likely a better choice. It has a $95 annual fee and similar sign-up bonus, but offers a greater suite of travel-related benefits and more flexible rewards.

If, however, neither of these cards sound right for you, check out other excellent small business credit cards.

The information related to Ink Business Preferred® Credit Card and Ink Business Unlimited® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

The information related to the Ink Business Cash® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.