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

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

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

The Ink Business Cash is without doubt one of the finest no-annual-fee business cards in the marketplace.

It provides excessive incomes charges on on a regular basis bills like workplace provides, and cable, web and cellphone companies — plus robust returns at fuel stations and eating places. And when you additionally maintain a premium Chase card, you’ll be able to unlock even larger 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’ll be able to resolve if it is a good match for your online 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 supplied within the card’s history and is the primary time we have seen it since January 2024. So, now’s the most effective time to use.

And you’ll turn the cash-back bonus into Ultimate Rewards points when 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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Should you even have one in every of these playing cards, your cashback will develop into 90,000 Final Rewards factors value $1,845, based on TPG’s September 2025 valuations.

The data 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 offered by the cardboard issuer.

The Ink Enterprise Money is topic to Chase’s 5/24 rule, that means you will doubtless be denied when you’ve opened 5 or extra private bank cards throughout all banks up to now 24 months.

Associated: Your guide to the Chase Ink Business credit cards

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

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

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

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

While you lease a automobile, you could be coated by the Ink Enterprise Money’s auto rental collision damage waiver once you decline the rental firm’s collision insurance coverage and cost your complete rental value to your card. Protection is major when renting for enterprise functions and offers reimbursement as much as the precise money worth of the automobile for theft and collision injury for many leases within the U.S. and overseas.

Whether or not you are at dwelling or overseas, you’ll be able to name the Profit Administrator for authorized and medical referrals in addition to different journey and emergency help. Brokers can present steerage and knowledge when wanted, however you will be accountable for the price of any companies you receive.

Lastly, the Ink Enterprise Money options zero liability protection, which suggests you will not be held accountable for unauthorized costs made together with your card or account info. 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 will earn:

• 5% money again at workplace provide shops and on cable, web and cellphone companies (on as much as $25,000 in mixed purchases per account anniversary 12 months)
• 2% money again at fuel 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 in the marketplace, and it is even higher if in case you have a card that earns Chase Ultimate Rewards points. Then you’ll be able to 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 companies.

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. Should you redeem for money, you’ll be able to obtain your cash as an account assertion credit score or by means of an digital deposit into an eligible U.S. checking or financial savings account.

Different choices, similar to present 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 typically do not suggest redeeming your rewards for these lower-value choices.

Associated: How to maximize your Chase Ultimate Rewards points

You probably have a card such because the Ink Enterprise Most well-liked or a Sapphire card that earns Chase Final Rewards factors, you unlock a further redemption possibility: You possibly can 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’ll be able to switch them to airline and hotel travel partners or ebook journey instantly by means of 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 selection in case your major spending aligns effectively with the workplace provide and utilities bonus classes. However listed here are another choices:

For extra choices, take a look at 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 when you’re in search of cash-back rewards or the power to transform money again to transferable travel rewards.

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

Apply right here: Ink Business Cash