Ink Business Cash℠ Credit Card

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Welcome Offer Benefits & Rewards Rates & Terms Pros & Cons Bottom Line With no annual fee, a generous welcome offer, and up to 5% cash back, the is a solid card for business owners that spend a lot on office supplies, internet and phone services, and restaurant and gas… Continue

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Strong cash rewards card with limited added features

Ink Business Cash℠ Credit Card

Intro APR 0% Intro APR on Purchases for 12 months
Annual Fee $0

Rates and Fees

Terms, Rates & Fees

Intro APR 0% Intro APR on Purchases for 12 months
Purchase APR 15.49% - 21.49% Variable
Annual Fee $0
Welcome Offer Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
Rewards Rate Earn 5% cash back in select business categories.

Details

  • Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Nav's Verdict

Bottom Line A good option for businesses that are willing to pass on added features for more rewards.

Welcome Offer
Benefits & Rewards
Rates & Terms
Pros & Cons
Bottom Line

With no annual fee, a generous welcome offer, and up to 5% cash back, the Ink Business Cash℠ Credit Card is a solid card for business owners that spend a lot on office supplies, internet and phone services, and restaurant and gas purchase.

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 5% cash back in select business categories.
  • 0% Intro APR on Purchases for 12 months
  • $0 annual fee

A cash back rewards business credit card can really help you make the most of everyday expenses but finding the right one can be challenging. Some cards come with big annual fees, while others have ultra-selective spend categories or low cashback rates.

The Ink Business Cash℠ Credit Card allows business owners to earn without an annual fee. Earn 5% cash back in select business categories. Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. New cardholders will also enjoy 0% Intro APR on Purchases for 12 months. As a bonus, cash back can also be used for travel and gift card rewards or to make purchases directly on Amazon.com.

Chase Ink Business Cash Card Welcome Offer

The Ink Business Cash℠ Credit Card does well to reward new cardholders. Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. In addition, new customers will also be able to take advantage of a 0% Intro APR on Purchases for 12 months.

Benefits & Rewards

As a cash back card, the primary benefit of the Ink Business Cash℠ Credit Card credit card is a tiered cash back rewards program. Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. All other purchases, including those made after reaching the $25,000 spending caps, will earn 1% cash back.

Despite spending caps on the 5% and 2% earning categories, there is no limit on how much cash back you can earn, and cash back rewards do not expire. It should also be noted that cash back rewards are tracked and therefore reflected as points, with each $1 earned equating to 100 points.

Though this card is designed as a cash back credit card, since cash back is accumulated as points, cardholders can also choose to redeem their points for travel (flights, cruises, vacation packages) or gift cards. Points can also be used to make purchases directly on Amazon.com.

In addition to the cash back rewards program, Ink Business Cash℠ Credit Card customers can also take advantage of regular Chase business benefits including an Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Roadside Dispatch, Purchase Protection, and Extended Warranty Protection.

Rates & Terms

New Ink Business Cash℠ Credit Card customers can take advantage of a full year of 0% financing for regular purchases and balance transfers. After the promotional period ends, the standard APR will  be 15.49% - 21.49% Variable. This card does not carry an annual fee; however there is a foreign transaction fee of 3% of each transaction in U.S. dollars.

Pros & Cons

Pros

  • Up to 5% cash back
  • No annual fee
  • 0% intro APR
  • $500 sign on bonus

Cons

  • 3% foreign transaction fee
  • Spend limit on top earning categories

Bottom Line: Is the Ink Business Cash℠ Credit Card right for you?

There are significant benefits associated with this card, making it a popular choice among small business owners. Part of the attraction is the ability to earn up to 5% cash back on popular business expenses like office supplies and communication costs (phone, internet, and cable) and 2% a gas stations and restaurants. Combined, those categories often represent a significant portion of business expenses.

In addition, the Ink Business Cash℠ Credit Card card does not have an annual fee, which is always a welcome perk for business owners who don’t spend enough to outweigh the annual fee associated with some other business cards. Throw in the 0% intro APR and $500 cash back bonus, and this card can be a solid win.

However, despite the many benefits of this card, there are a few downsides; the primary one being the cash back spend limits on the top-earning categories. If you anticipate spending more than $25,000 on purchases within the 5% and 2% cash back categories, additional purchases will only earn 1% cash back. While a few hundred dollars over the limit may not amount to much, if you spend a lot more you can drastically limit your cash back potential.

Another consideration is your travel needs. Though this card certainly accounts for some of the major expenses you may incur, it doesn’t feature a solid travel-spend category. If you’re not planning on using it to book travel, or if your travel needs are limited, then that’s not a big deal. However, if airfare, hotel stays, or car rentals are regular expenses, then the Chase Ink Business Cash Card may not be the ideal card. The same is true if you have frequent foreign transactions, which would be subject to a fee of 3% of each transaction in U.S. dollars when using the Ink Business Cash℠ Credit Card

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