Chase Ink Business Cash Credit Card Review

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The Chase Ink Business Cash Credit Card is a good choice for business owners who value simplicity when it comes to credit card rewards programs. Although cash back is capped in popular business spending categories, the earnings rates are still attractive, especially as this card does not charge an annual fee.

Ink Business Cash credit card

overall rating
Ink Business Cash credit card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 20.99% variable
Annual Fee $0
Rewards Earning Rate 5% cash back on the first $25,000 spent in combined purchases in select categories. 2% back on the first $25,000
INTRO PURCHASE APR 0% for 12 Months
Cash Advance APR (%) 26.74%
Cash Advance Fee Either $15 or 5% of the amount of each transaction, whichever is greater.
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit

$500 bonus cash back after you spend $3,000 on purchases in the first 3 months

Who is This Credit Card Best For?

  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need
    Savvy Saver
  • Avatar for Entrepreneur Persona
    Is turning their passion into a money-making venture
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play
    Road Warrior
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker

This card is for business owners looking to earn something back on common business expenses, without paying for the privilege with an annual fee. Chase Ink Business Cash is also for the small-business owner who doesn’t travel much. That’s because common travel perks like points transfer to airline and hotel loyalty programs aren’t available with this card—and that’s alright if you don’t need them. With the right kind of spending, you could earn several thousand dollars in cash back the first year.


  • Rewards with no annual fee

  • Smart rewards earning structure for business

  • Zero interest for 12 months


  • Earning caps limit your rewards

  • No transfers to airline and hotel partners

Pros Explained

  • Rewards with no annual fee: The card has a solid rewards program that you won’t have to pay for with an annual fee. 
  • Smart rewards earning structure for business: You’ll earn one of the highest rates we’ve seen— 5%—cash back at office supply stores and for internet, cable, and phone services, up to an annual cap. Plus a good cash-back rate at gas stations and restaurants (also capped annually).
  • Zero interest for 12 months: If you need to make a large purchase for your business and pay it off over time, the Chase Ink Business Cash Credit Card can save you interest charges for a full year. 

Cons Explained

  • Earning caps limit your rewards: This card’s 5% and 2% earning categories have caps—$25,000 annually. After you hit the spending cap, you’ll only earn 1% in those categories. This limits how much cash back you can earn—especially if your business spends a lot in these areas. 
  • No transfers to airline and hotel partners: While you can use points to book travel through the Chase Ultimate Rewards portal with this card, you can’t transfer your points to Chase airline and hotel partners, which can often maximize the value of your rewards. 

Chase Ink Business Cash Credit Card Sign-Up Bonus

The sign-up bonus on the Chase Ink Business Credit Card is less than you’ll get from some other Chase business credit cards but standard within the business card market. Once you sign up, you can earn 50,000 points worth $500 after you spend $3,000 on your card within three months of account opening. That’s a relatively easy spending threshold to meet. 

Earning Points & Rewards

This card offers a multi-tiered earning structure that can make a lot of sense if your business spending aligns with its bonus categories. First, you’ll earn 5% back on up to $25,000 in combined spending at office supply stores and on cable, internet, and phone service purchases each year. You’ll also earn 2% back on up to $25,000 in combined spending at restaurants and gas stations each year, and 1% back on everything else.

Here’s an estimate of how your rewards returns could look during the first 12 months:

  • Max out 5% bonus categories = $1,250 in cash back
  • Max out 2% bonus categories = $500 in cash back
  • Sign-up bonus = $500 in cash back
  • $1,000/month in other spending = $120 in cash back
  • First year rewards = $2,370

While the earning “caps” this card has may hinder your rewards game if you spend a lot in bonus categories each year, they may not be a problem if your business expenses aren’t very high, anyway.

Also note that cash back earned with this card never expires as long as your account is still open. 

Redeeming Rewards

You will track, manage, and redeem your cash back via Chase’s Ultimate Rewards service online. (Note that your “cash back” will be in the form of Ultimate Rewards points; 1 point is worth 1 cent when redeemed for cash back.) You can redeem your rewards for cash back, or for gift cards, products and services, or for travel booked through the Ultimate Rewards program.

Ultimate Rewards points values will vary depending on what you redeem them for. Cash back, gift cards, and travel are worth 1 cent per point. The value of products and services will differ. 

How to Get the Most Out of This Card

Besides meeting the required spending to earn the sign-up bonus within the three months. use the card for all your business purchases, especially those that fall into the 5% and 2% bonus-earning categories.

If you would also like to earn points you can redeem for travel, you may want to consider pairing this card with a Chase travel credit card (Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred). Chase will let you transfer your Ultimate Rewards points to the other card’s account, which may give you extra value when you redeem points through the UR travel portal.  

Those cards also lets you transfer points to partner airlines and hotels. By pairing the Chase Ink Business Cash with one of the Chase travel cards, you keep the easy points earning of this card, plus gain some better travel earnings and redemption flexibility. If a second Chase Ultimate Rewards card is not in the works, redeem your points for cash back or travel booked through the program at 1 cent per 1 point, and keep your eye out for gift cards that may occasionally offer a better redemption value. 

Chase Ink Business Cash Credit Card’s Excellent Perks

This card offers several cardholder benefits, one of which the editors of The Balance consider “excellent.”

  • Primary rental car collision insurance: Receive primary rental car coverage when you rent a car for business purposes and pay with your credit card. Because this is primary coverage, this policy kicks in before your own insurance policy does. It’s good for up to the actual cash value of the vehicle, with some limitations.

Chase Ink Business Cash Credit Card’s Other Features

  • Extended warranties
  • Insurance for stolen or damaged purchases
  • Travel and emergency hotline

Customer Experience

Chase offers around-the-clock customer service help you can access over the phone, through secure online messaging, or even Twitter. If you sign up for Chase’s Credit Journey program, you’ll have access to a free VantageScore credit score, as well as some credit monitoring tools.

Chase earned the fourth spot in J.D. Power’s 2019 U.S. Credit Card Satisfaction Study. The bank and credit card issuer scored 807 out of 1,000 points in the survey; the industry average was 806. 

Security Features

Chase offers the industry-standard security features you would expect from a major credit card issuer: 24/7 fraud alerts, zero liability for fraudulent purchases, login encryption and authentication, among others.  

Chase Ink Business Cash Credit Card’s Fees

Reminding us that this card is best for small-business owners who do not travel often, Chase Ink Business Cash charges a 3% foreign transaction fee for purchases made abroad. Other fees are aligned with industry standards.

For Ink Business Cash credit card

Compare This Card

See how this card stacks up to the competition
Ink Business Cash credit card
overall rating
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 20.99% variable
Annual Fee $0
Rewards Earning Rate 5% cash back on the first $25,000 spent in combined purchases in select categories. 2% back on the first $25,000

Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.