Chase Ink Business Cash Credit card review: Full d...

Chase’s Ink Business Cash® Credit Card (see rates and fees) is a superb alternative for small companies trying to earn bonus rewards on workplace provides and choose utilities and at gasoline stations and eating places — for no annual price. And you may greater than double the worth of your rewards in case you switch them to a card that earns Chase Final Rewards factors. Card Ranking*: ⭐⭐⭐⭐

*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Ink Business Cash is likely one of the greatest no-annual-fee business cards available on the market.

It gives excessive incomes charges on on a regular basis bills like workplace provides, and cable, web and cellphone providers — plus sturdy returns at gasoline stations and eating places. And in case you additionally maintain a premium Chase card, you possibly can unlock even higher worth by transferring rewards to the Ultimate Rewards ecosystem.

The recommended credit score to use for this card is 670 or above.

Let’s take a more in-depth take a look at the Ink Enterprise Money Credit score Card so you possibly can resolve if it is a good match for your small business.

The Ink Business Cash is at the moment providing a profitable, limited-time welcome bonus. New candidates can earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening.

This matches the best bonus provided within the card’s history and is the primary time we have seen it since January 2024. So, now could be one of the best time to use.

And you may turn the cash-back bonus into Ultimate Rewards points in case you switch your cash-back rewards to a card that earns Final Rewards factors, such because the Ink Business Preferred® Credit Card, Chase Sapphire Reserve® (see rates and fees), Chase Sapphire Preferred® Card (see rates and fees) or Chase Sapphire Reserve for Business℠ (see rates and fees).

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In the event you even have one among these playing cards, your cashback will grow to be 90,000 Final Rewards factors value $1,845, in line with TPG’s September 2025 valuations.

The knowledge for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

The Ink Enterprise Money is topic to Chase’s 5/24 rule, that means you may probably be denied in case you’ve opened 5 or extra private bank cards throughout all banks previously 24 months.

Associated: Your guide to the Chase Ink Business credit cards

The Ink Business Cash is a no-annual-fee card that gives modest advantages and perks.

One of many card’s greatest perks for a lot of small-business homeowners is that you would be able to request playing cards for workers at no further value. You may earn rewards for his or her spending, and you may even set particular person worker spending limits for higher management.

While you buy eligible gadgets with the Ink Enterprise Money, these purchases might be lined by extended warranty and purchase protections. These protections can save your small business some critical money.

Prolonged guarantee safety extends the interval of a U.S. producer’s guarantee by an extra 12 months on eligible warranties of three years or much less. And buy safety covers your new purchases for 120 days in opposition to harm or theft at as much as $10,000 per declare and $50,000 per account.

While you hire a automotive, you might be lined by the Ink Enterprise Money’s auto rental collision damage waiver whenever you decline the rental firm’s collision insurance coverage and cost your complete rental value to your card. Protection is main when renting for enterprise functions and gives reimbursement as much as the precise money worth of the car for theft and collision harm for many leases within the U.S. and overseas.

Whether or not you are at house or overseas, you possibly can name the Profit Administrator for authorized and medical referrals in addition to different journey and emergency help. Brokers can present steering and knowledge when wanted, however you may be answerable for the price of any providers you get hold of.

Lastly, the Ink Enterprise Money options zero liability protection, which implies you will not be held answerable for unauthorized costs made along with your card or account data. Chase will assist safeguard your account utilizing real-time fraud monitoring.

Associated: Reasons to apply for the Ink Business Cash

With the Chase Ink Business Cash, you may earn:

• 5% money again at workplace provide shops and on cable, web and cellphone providers (on as much as $25,000 in mixed purchases per account anniversary 12 months)
• 2% money again at gasoline stations and eating places (on as much as $25,000 in mixed purchases per account anniversary 12 months)
• 1% money again on all different purchases

5% money again is spectacular for a no-annual-fee card, one of many best cash-back credit card incomes charges available on the market, and it is even higher when you’ve got a card that earns Chase Ultimate Rewards points. Then you possibly can transfer your cash back to Ultimate Rewards points and successfully earn 5 Final Rewards factors per greenback spent at workplace provide shops and on cable, web and cellphone providers.

Since TPG’s September 2025 valuations peg Final Rewards factors at 2.05 cents every, that is an over 10% return on spending in these classes.

Associated: Business credit cards vs. charge cards — which is right for you?

Simply because the Chase Ink Business Cash is a cash-back card does not imply you do not have choices for redeeming your rewards. In the event you redeem for money, you possibly can obtain your cash as an account assertion credit score or by an digital deposit into an eligible U.S. checking or financial savings account.

Different choices, equivalent to reward playing cards, journey, distinctive experiences, Amazon Store with Factors and Apple Final Rewards Retailer, present lower than face worth on your cash-back rewards. So, we usually do not advocate redeeming your rewards for these lower-value choices.

Associated: How to maximize your Chase Ultimate Rewards points

When you have a card such because the Ink Enterprise Most well-liked or a Sapphire card that earns Chase Final Rewards factors, you unlock an extra redemption possibility: You’ll be able to convert the cash-back rewards in your Ink Business Cash to Chase Final Rewards factors.

The opposite card that earns Chase Final Rewards factors must be registered to you, the corporate’s proprietor or a family member to qualify. As soon as you progress factors to an Final Rewards-earning account, you possibly can switch them to airline and hotel travel partners or e book journey immediately by Chase Travel℠ at a greater charge.

TPG contributing editor Matt Moffitt converts the money again he earns on his Ink Enterprise Money to Final Rewards factors as he holds the Chase Sapphire Reserve. Then he transfers these factors to World of Hyatt for high-value resort redemptions.

Associated: How to book travel (and save points) with Chase Travel

The Ink Business Cash is a superb alternative in case your main spending aligns effectively with the workplace provide and utilities bonus classes. However listed below are another choices:

For extra choices, try our full record of the best business credit cards.

Associated: How to get a business credit card

The mixture of simplicity and the potential for redemptions makes the Ink Enterprise Money a good selection in case you’re on the lookout for cash-back rewards or the flexibility to transform money again to transferable travel rewards.

In the event you steadily store at workplace provide shops or pay cable, web and cellphone providers with a bank card, including the Ink Business Cash to your pockets may elevate your earnings on these bills with out requiring you to pay an annual price.

Apply right here: Ink Business Cash