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The Chase Ink Business Cash℠ Credit Card is a no annual fee business credit card that pays you up to 5% on business purchases and offers flexible rewards for cash statement credits or gift cards. The Ink Business Cash Credit Card comes with a generous $500 sign-up bonus after spending $3,000 in the first 3 months. You can be an ideal candidate for the Chase Ink Cash if you’re looking at applying for a business credit card and don’t want to worry about an annual fee.

Use your this Ink Business Cash Card review to learn how to earn cashback on your purchases as you would if you took a trip on a Pullman Rail Journeys dining car for breakfast. Credit: Johnny Jet

Chase Ink Business Cash Card Review: Signup Bonus

The Chase Ink Business Cash℠ Credit Card gives you a $500 signup bonus after spending $3,000 in the first three months from account opening. If you were to apply for a different $0 annual fee card, your sign-up bonus will be $200 at best (usually). This is an incredible bonus for a no annual fee business card, but it is smaller than the Ink Business Preferred® Credit Card.

Chase Ink Cash Fees

  • Annual Fee: $0
  • Additional Employee Cards: $0
  • Foreign Transaction Fee: 3%

Earn 5% Purchase Rewards

You will earn 5% cashback each account anniversary year on the first $25,000 in combined annual spending (then 1% back) in these select categories:

  • Office supply stores
  • Internet, Cable, and Phone Services

By maxing out the 5% rewards each year, you will receive $1,250 in cashback or gift cards.

Earn 2% Purchase Rewards

Chase also pays 2% cashback each account anniversary year on the first $25,000 in combined annual spending (then 1% back) for these categories:

  • Gas stations
  • Restaurants

All remaining purchases will earn an unlimited 1% back on all non-bonus spending and every purchase in excess of the $25,000 bonus cap for the 5% and 2% rewards.

Valuable Redemption Options

The Ink Business Cash℠ Credit Card has two redemption options:

  • Statement credits
  • Gift cards

Your Chase Ink Business Cash Credit Card rewards points are worth the same—1 cent each—for either redemption option so you only need to choose to have a smaller statement now or use a gift card to spend less money later.

A third redemption is possible when you own qualifying Chase credit cards so you can “pool” your rewards points and redeem them through your Ink Business Preferred® Credit Card, Chase Sapphire Reserve®, or Chase Sapphire Preferred® account for award travel.

Then you will also be able to transfer your points out to Ultimate Rewards transfer partner. Each point will also be worth 25% by redeeming your points directly through Chase or you can transfer them on a 1:1 basis to your airline or hotel loyalty account.

Additional Chase Business Ink Cash Perks

Additional employee cards cost $0 and they earn rewards points too.

As a business credit card, the Ink Business Cash℠ Credit Card offers extra business credit card benefits. These can help you save money when you travel:

  • Primary auto rental collision damage waiver
  • Travel and emergency assistance services
  • Avis Corporate Rewards membership (earn free rentals 2x sooner)

The Ink Cash offers additional purchase protection benefits too for your non-travel spending including:

  • Up to $10,000 per claim for 120 days
  • Extended warranty protection up to one additional year
  • Real-time fraud protection and monitoring

Summary on the Chase Ink Business Cash Card Review

If you need a $0 annual fee business credit card and can benefit from the 5% and 2% bonus categories, the Chase Ink Business Cash℠ Credit Card is a fine option. Although it isn’t a business travel credit card, it does come with some additional travel benefits. These benefits can benefit your team. Plus, you can still use your points for statement credits towards travel. Or, you might combine your points to a personal Chase Sapphire Ultimate Rewards account.

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Johnny Jet Editorial
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  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
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  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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