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Ink Business Cash® Credit Card Review: A Complete Guide
February 6, 2025
What Is the Ink Business Cash® Credit Card?
The Ink Business Cash® Credit Card is Chase's premier no-annual-fee business credit card designed for small business owners and entrepreneurs. It offers exceptional rewards on common business expenses, particularly office supplies and internet services. New cardmembers can earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Ink Business Cash® Credit Card Pros & Cons
Pros:
- Generous 5% cash-back categories on office supply stores and internet, cable, and phone services (up to $25,000 annually)
- 2% cash back at gas stations and restaurants (up to $25,000 annually)
- No annual fee
- Unlimited employee cards at no additional cost
- Comprehensive purchase protection benefits
- Auto rental coverage for business rentals
- Extended warranty protection on eligible purchases
Cons:
- Spending caps on bonus categories
- Foreign transaction fees apply
- Requires excellent credit for approval
- Best rewards redemption requires pairing with premium Chase cards
Who Is the Ink Business Cash® Credit Card For?
This card is ideally suited for small business owners, freelancers, and sole proprietorships with significant spending on office supplies and business services.
It's particularly valuable for businesses that:
- Spend heavily on office supplies and telecommunications services
- Want to earn rewards without paying an annual fee
- Need to issue multiple employee cards
- Prefer cash back over travel rewards
- Have excellent credit and established business relationship
Comparing the Ink Business Cash® With Other Credit Cards
When considering the Ink Business Cash®, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business:
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more, up to $2 million per calendar year
- Standout feature: Access to over 1,400 airport lounges worldwide, access is limited to eligible Card Members
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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Ink Business Cash® excels in offering exceptional rewards on common business expenses
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
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Consider Using Kudos
While the Ink Business Cash® Credit Card offers excellent rewards, you can maximize your earnings by using Kudos, a free AI-powered browser extension. Kudos automatically recommends the best card to use for each purchase, ensuring you never miss out on bonus categories or special offers. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Ink Business Cash® Credit Card is an excellent choice for small businesses looking to maximize rewards on office supplies and business services without paying an annual fee. Its combination of high reward rates, valuable welcome bonus, and comprehensive benefits make it a strong contender in the business credit card market.
Ink Business Cash® Credit Card FAQ
What is the welcome bonus for the Ink Business Cash® Credit Card?
New cardmembers can earn $750 bonus cash back after spending $6,000 in the first three months from account opening.
Are there any spending limits on reward categories?
Yes, the 5% and 2% cash-back categories are limited to $25,000 in combined purchases each account anniversary year.
Can I add employee cards to my account?
Yes, you can add unlimited employee cards at no additional cost and set individual spending limits for each card.
How do I redeem rewards earned with the Ink Business Cash® Credit Card?
Rewards can be redeemed for cash back, gift cards, travel through the Chase travel portal, or transferred to Chase travel partners (when paired with eligible Chase cards).
What purchase protection benefits does the card offer?
The card provides purchase protection, extended warranty protection, and primary rental car collision damage waiver for business rentals.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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