Ink Business Cash℠ credit card review

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Advertiser Disclosure

Interest Rate: Purchases
13.24% ‐ 19.24% (Variable) (0% for the first 12 months)
Balance Transfer
13.24% ‐ 19.24% (Variable)
Rewards
1 - 5% cashback
Signup Bonus
$500 after spending $3,000


8.8/10
Informr score
The Ink Business Cash℠ credit card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 35 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Ink Business Cash℠ credit card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Simple Dollar

The Chase Ink Business Cash card is an excellent option for business owners who are looking for a no-frills credit card that earns cash back. If you frequently make purchases at office and business supply stores and have phone, cable and internet bills to pay, the 5% cash back offer is among the hig...

- rboehmcke, The Simple Dollar
Credit Card Insider

The Chase Ink Business Cash provides business owners with a decent benefits package and gets 5% cash back on Lyft rides, office supplies, and certain business services. It also earns 2% at gas stations and restaurants, and a 1% on everything else. There are $25,000 annual earning caps on the 5% and...

- Brendan Harkness, Credit Card Insider
Investopedia

The Chase Ink Business Cash offers a big bonus, up to 5% cash back on common business expenses, and an introductory 0% APR promotion on purchases, all without charging an annual fee.

- Ben Luthi, Investopedia
The Simple Dollar

There’s a reason we named the Ink Business Cash Credit Card the best business credit card for big expenses this year. Not only does this card offer a large signup bonus, but you get up to 5% cash-back on purchases made in certain business-related categories. There’s also no annual fee and no additio...

- Holly Johnson, The Simple Dollar
BuzzFeed

If you’re a small business owner looking for a business credit card that has generous bonus rewards for many common business-related purchases, the Chase Ink Business Cash Credit Card may be just the right card for you. With no annual fee and a generous $500 cash back sign-up bonus, this card is a s...

- Christy Rakoczy, BuzzFeed

Details


Interest Rates
Regular APR Interest Rate 13.24% ‐ 19.24% (Variable) (0% for the first 12 months)

 This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.24% ‐ 19.24% (Variable)

 This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

 This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $500 after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 1% cash back
Restaurants 2% cash back (on first $25000 spent)

In combined purchases at gas stations and restaurants.

Gas 2% cash back (on first $25000 spent)

In combined purchases at gas stations and restaurants.

Groceries No
Hotels No
Travel No
Pharmacy No
Bills 5% cash back (on first $25000 spent)

In combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services.

Additional Details

5% cash back on Lyft

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Simple Dollar

An attractive credit card with cash back rewards and no annual fee

from The Simple Dollar

The Chase Ink Business Cash card is an excellent option for business owners who are looking for a no-frills credit card that earns cash back. If you frequently make purchases at office and business supply stores and have phone, cable and internet bills to pay, the 5% cash back offer is among the...More

The Chase Ink Business Cash card is an excellent option for business owners who are looking for a no-frills credit card that earns cash back. If you frequently make purchases at office and business supply stores and have phone, cable and internet bills to pay, the 5% cash back offer is among the highest in the industry. That said, if the bulk of your spending is made elsewhere, you might be better off choosing a rewards card that has a broader, more flexible cash back program.

Read full review

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Credit Card Insider

Offers good cash back rates on your small business expenses

from Credit Card Insider

The Chase Ink Business Cash provides business owners with a decent benefits package and gets 5% cash back on Lyft rides, office supplies, and certain business services. It also earns 2% at gas stations and restaurants, and a 1% on everything else. There are $25,000 annual earning caps on the 5% and 2% categories, however.

Read full review

The Chase Ink Business Cash provides business owners with a decent benefits package and gets 5% cash back on Lyft rides, office supplies, and certain business services. It also earns 2% at gas stations and restaurants, and a 1% on everything else. There are $25,000 annual earning caps on the 5% and 2% categories, however.

Read full review

Less

Investopedia

Potentially valuable rewards program

from Investopedia

The Chase Ink Business Cash offers a big bonus, up to 5% cash back on common business expenses, and an introductory 0% APR promotion on purchases, all without charging an annual fee.

Read full review

The Chase Ink Business Cash offers a big bonus, up to 5% cash back on common business expenses, and an introductory 0% APR promotion on purchases, all without charging an annual fee.

Read full review

Less

The Simple Dollar

Best business credit card for big expenses

from The Simple Dollar

There’s a reason we named the Ink Business Cash Credit Card the best business credit card for big expenses this year. Not only does this card offer a large signup bonus, but you get up to 5% cash-back on purchases made in certain business-related categories. There’s also no annual fee and no...More

There’s a reason we named the Ink Business Cash Credit Card the best business credit card for big expenses this year. Not only does this card offer a large signup bonus, but you get up to 5% cash-back on purchases made in certain business-related categories. There’s also no annual fee and no additional fees for employee cards. Finally, cardholders get 0% intro APR on purchases and balance transfers for the first 12 months of card ownership along with an array of other perks.

Read full review

Less

BuzzFeed

Easy cash back, no annual fee

from BuzzFeed

If you’re a small business owner looking for a business credit card that has generous bonus rewards for many common business-related purchases, the Chase Ink Business Cash Credit Card may be just the right card for you. With no annual fee and a generous $500 cash back sign-up bonus, this card...More

If you’re a small business owner looking for a business credit card that has generous bonus rewards for many common business-related purchases, the Chase Ink Business Cash Credit Card may be just the right card for you. With no annual fee and a generous $500 cash back sign-up bonus, this card is a solid choice, even if you aren’t necessarily a big spender or own a big business. In fact, you don't even need an Employer Identification Number (EIN) to apply. Solo entrepreneurs and side hustlers can take advantage of these perks!

Read full review

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Traveling For Miles

The no annual fee card with huge earning power

from Traveling For Miles

On its own, the Ink Business Cash Card from Chase is a stunningly good cashback card that has few peers. When combined with one of the Chase Sapphire cards it becomes part of a fantastic pair of cards that opens up an incredible number of great earning opportunities across most spending categories.

Read full review

On its own, the Ink Business Cash Card from Chase is a stunningly good cashback card that has few peers. When combined with one of the Chase Sapphire cards it becomes part of a fantastic pair of cards that opens up an incredible number of great earning opportunities across most spending categories.

Read full review

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MyBankTracker

Bonus cash back on everyday business expenses

from MyBankTracker

The Chase Ink Business Cash Credit Card could be a solid choice if your business typically spends at least $50,000 each year on office supplies, internet, cable and phone services, restaurants and dining. You could earn a tidy chunk of cash back rewards by maxing out the spending limit. Since the...More

The Chase Ink Business Cash Credit Card could be a solid choice if your business typically spends at least $50,000 each year on office supplies, internet, cable and phone services, restaurants and dining. You could earn a tidy chunk of cash back rewards by maxing out the spending limit. Since there’s no annual fee you don’t have to worry about it detracting from your rewards earnings. This card falls short as a travel option, however. You’d be better off with the Ink Business Preferred card for earning travel points.

Read full review

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One Mile at a Time

So many things that make this card great

from One Mile at a Time

The Ink Business Cash offers some of the best bonus categories of any business credit card. If you spend a lot in the categories in which this card offers 5x points, then I’d highly recommend this card. If you’re looking for a card that’s really well rounded for your everyday business spen...More

The Ink Business Cash offers some of the best bonus categories of any business credit card. If you spend a lot in the categories in which this card offers 5x points, then I’d highly recommend this card. If you’re looking for a card that’s really well rounded for your everyday business spending, consider the Ink Business Unlimited, which offers 1.5x points on all purchases. Lastly, the Ink Business Preferred is probably the single most well-rounded business credit card, in my opinion.

Read full review

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Miles to Memories

Best no fee card available

Miles to Memories

The Chase Ink Business Cash credit card is the most valuable no annual fee business card offered on the market. It comes with a top notch earning structure, a great welcome offer, and some valuable perks as well.

Read full review

The Chase Ink Business Cash credit card is the most valuable no annual fee business card offered on the market. It comes with a top notch earning structure, a great welcome offer, and some valuable perks as well.

Read full review

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Clark

A cashback card for small business owners

from Clark

With this card, I find myself going out of my way to make purchases from office supply stores instead of other retailers just to earn the amazing 5x rewards. And by setting up my mobile phone and internet service accounts to charge this card, I earn thousands of additional points each year that I...More

With this card, I find myself going out of my way to make purchases from office supply stores instead of other retailers just to earn the amazing 5x rewards. And by setting up my mobile phone and internet service accounts to charge this card, I earn thousands of additional points each year that I use for award travel. When you consider how quickly you can earn rewards at 5x per dollar, you’ll see how the Ink Business Cash card can be an indispensable tool.

Read full review

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User Reviews


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