Advertiser Disclosure

Untitled design 6 Chase Ink Business Cash
Credit Cards

Chase Ink Business Cash® Credit Card Review

Last updated: August 24,2023
Originally Published: March 27,2020
by Jameson Lamie

Points Panda has partnered with a variety of financial companies including CreditCards.com for our coverage of credit card products. Points Panda and CreditCards.com may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. For more information please read our full Advertiser Disclosure.

The Chase Ink Business Cash® Credit Card is often mentioned in the credit card community. Why? Because most business cards come with annual fees and the Chase Ink is a no-annual-fee card so businesses can save up a lot on expenses while earning cashback at the same time.

It’s one of those small business cards that lets you earn cashback on expenses like office supplies, internet, cable, ride-hailing services, gas stations, and restaurants. With ZERO annual fees and maximum point earnings at 5%, it is no doubt one of the best starter credit cards for business owners.

The Chase Ink Business Cash credit card is one of the best cards for small businesses

Chase Ink Business Cash Card Points System

The Chase Ink Business Cash® Credit Card has two cashback categories: 5% and 2%. Each category has a maximum spend of $25,000, and once you reach the threshold, cashback rates will be 1% for all purchases.

The 5% cashback categories include:

  • Office Supplies – You can earn 5% cashback on office supply stores like OfficeMax and Staples. An added benefit is a lot of these stores also sell other items like snacks and gift cards. 
  • Internet, Cable, and Phone Services – This category does not include hardware expenses but only mobile plans, internet services, and cable bills.

The 2% cashback category includes:

  • Gas Stations – Cardholders can earn 2% cashback at all gas stations. This is not exclusive to gasoline purchases; Snacks, beverages, car washes, and other items or services can earn you points as long as you don’t use third-party payment services.
  • Restaurants – Whether it’s a fast-food restaurant or a fancy one, you earn cashback when you have company expenses at restaurants.

Other Notable Benefits

The Chase Ink Business Cash® Credit Card points system is pretty rewarding, especially since there’s no annual fee – and believe it or not, there’s more! Chase Ink Business cardholders can also benefit from:

  • $750 Welcome Bonus – You can earn $750 automatically once you spend a minimum of $7500 in your first three months as a cardholder.
  • Non-expiring Points – All the cashback you earn will not expire and will roll over to the next calendar year. There’s no pressure to redeem your points right away.
  • Intro APR – You can have a generous intro APR on purchases.
  • Free Employee Cards – You can have 70 free employee cards, with each having its own spending limits.
  • Improve Your Credit Score – Dun & Bradstreet will monitor your spending activity with the Chase Ink Business cash card. This will build your credit when they see you have positive spending activity.

Chase Ink Business Cash Drawbacks

Not every card is perfect, so we’ve listed a few drawbacks this card has.

  • $25,000 Spending Cap – If you’re a big company who spends more than $25,000, it doesn’t make sense to get the Chase Ink.
  • Foreign Transaction Fees Apply – A 3% foreign transaction fee applies on top of every transaction made for items or services you’ve paid for abroad.

Chase Ink Business Cash VS Ink Business Preferred

The Ink Business Cash® Credit Card and Ink Business Preferred are two of the most popular business credit cards in the Chase line. The major differences between the two cards are their features, such as the annual fees, welcome bonus, and rewards structure.

The Ink Business Cash® Credit Card has a welcome bonus of $750, and it’s marketed as a cashback card with zero annual fees. Cardholders earn 5% on office supply stores, internet, cable, and phone services; 2% on gas stations and restaurants. Meanwhile, the Ink Business Preferred is marketed as a points card with a $95 annual fee where cardholders can earn 3 points per dollar on travel and business expenses.

Deciding which card is better would depend on your spending habits because picking the right card that matches your spending habits would greatly maximize your points or cashback earnings.


Read More: Best Credit Card for Businesses – Chase Ink Business Preferred Card Review


Tips From Points Panda:

The Chase Ink Business Cash® Credit Card is a great cashback card for small business owners who often spend on the cashback categories mentioned above. And by small business owners, we mean people who won’t spend more than $25,000 in a calendar year.

We recommend you maximize your spending budget on the 5% categories first so you’ll get the most out of the cashback points.

We don’t recommend this card for business owners who often travel abroad since you will incur foreign transaction fees. Other business credit cards don’t have international fees, such as the Amex Delta Reserve for Business.

Advertiser Disclosure

  • Earn 75,000 Bonus miles after you spend $4,000 on purchases in the first 3 months from account opening.
  • Earn 2X miles on everyday spend.
  • Earn 10X miles on hotels and car rentals, and 5x on flights booked on Capital One Travel
  • Receive 10,000 bonus miles every account opening anniversary.
  • Get a $300 credit to use on Capital One Travel each year.
  • Unlimited Access to Capital One Lounges and Priority Pass lounges internationally.
  • $395 annual fee.
Learn More

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Leave a comment