Key facts
The Chase Ink Business Cash® Credit Card is an incredibly powerful credit card for small business owners spending a lot at office supply stores and on internet, cable and phone services, where you’ll earn a whopping 5% on up to $25,000 in combined purchases each cardmember year.
Earn a 10% Business Relationship Bonus
If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary, you’ll earn a one-time 10% bonus of all eligible cash back earned in your first year for cards opened by November 2024.
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodAPR on Purchases:
0 % Intro APR on purchases for 12 months, 18.49%-24.49% thereafterBalance transfer fees
Either $5 or 5% of the amount of each transfer, whichever is greater.Foreign Transaction Fee:
3% of each transaction in U.S. dollarsIt’s quite possibly one of the best no annual fee business credit cards!
Reward multipliers
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on all other eligible purchases.
If you have a Chase Ink Business Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card, then these points can be transferred to those cards, where you’ll get a lot more value as you’ll be able to transfer your points out to airline frequent flyer programs and hotel programs like World of Hyatt and Marriott. Essentially, you can convert your cash back into full-on Chase Ultimate Rewards points (guide).
Earns bonus points for spend in the following bonus categories:
Estimated Rewards Value: 5%
Estimated Rewards Value: 5%
Estimated Rewards Value: 5%
Estimated Rewards Value: 5%
Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
Estimated Rewards Value: 1%
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
Key features
Unique Card Benefits
Earn a 10% Business Relationship Bonus (new cardholders between March 21, 2024 and November 2024 only)
If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary, you’ll earn a one-time 10% bonus of all eligible cash back earned in your first year for cards opened between March 21st and November 2024.
0% Intro APR on Purchases
0 % Intro APR on purchases for 12 months, 18.49%-24.49% thereafter
This card does not offer a 0% intro APR benefit for balance transfers.
Primary Car Rental CDW Waiver
When used for business purposes, CDW for rental cars is primary with your Chase Ink Cash card. All usual terms and conditions apply, such as limitations on vehicles covered and booking and paying for the entire rental with your card in additional to declining the coverage provided by the rental company.
Extended Warranty
Extended warranty protection will extend the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Purchase Protection
Purchase Protection means your new purchases on the Ink Cash card are covered for 120 days against damage or theft – with limits of up to $10,000 per claim and $50,000 per account.
Does Not Report Credit Line to Personal Credit Profile
As a small business credit card, the Chase Ink Cash won’t report to your personal credit profile as long as your account is in good standing. That means that it won’t appear as a card you have nor will your credit line or utilization be reported. They will, however, check your personal credit history (perform a hard inquiry) to make a determination on approving your application. Keep in mind you will be jointly liable for all charges along with your business.
Roadside Assistance
You’ll be able to call for assistance securing anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be billed to your card. The service simply acts as a “concierge” of sorts to procure you the help.
Travel and Emergency Assistance Services
Run into a problem away from home? You’ll be able to call a benefit administrator for legal and medical referrals or other travel and emergency assistance. Please note that like with the Roadside Assistance, you’ll be responsible for the cost of any goods or services provided.
No Fees for Authorized Users
Add free employee cards – as many as you need! You can even set individual spending limits.
Earn more rewards by combining credit cards
Pros & cons
- Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories.
- No annual fee
- Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card
- Charges a foreign transaction fee
- Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
- Earns only 1% on non-bonus categories
Our review
For most small business owners, it makes sense to have all three Chase Ink credit cards: this card, the Chase Ink Business Cash® Credit Card, the Chase Ink Preferred®, and the Chase Ink Unlimited®.
They all complement each other perfectly. Once you have a the Chase Ink Preferred®, which allows you to transfer points to Chase’s great lineup of airline and hotel partners like World of Hyatt, you will want to get the Ink Cash and Ink Unlimited to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.
The Ink Cash is a truly amazing card when it comes to bonus multipliers on select business categories. With 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year plus 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, you have tremendous bonus category multipliers on a no annual fee card.
But the most important thing to know is that although this card says you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card.
Either way, you are earning Chase Ultimate Rewards points. But without one of the above cards, you can only redeem your points for 1 cent per point. Once you do have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card in your arsenal, though, you’ll be able to move your points from your Ink Cash to any of those three cards, where you can either transfer to airline and hotel partner programs or redeem through the Chase Ultimate Rewards portal where your points are worth 1.25 – 1.5 cents each, depending on which card you have. The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the much higher annual fee Sapphire Reserve gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.
Even if you don’t “combo” your Ink Cash, those 5% and 2% bonus categories are exceptionally strong for business spending on a business credit card with no annual fees. And that large signup bonus doesn’t hurt either!
Overall, the Chase Ink Cash is one of my very favorite cards. I charge my cable, internet, and phone to the card and use it often at office supply stores, which sell a wide array of goods. I also use it for gas stations and dining as I like racking up Chase Ultimate Rewards points at a 2X bonus rate.
But keep in mind that it is at its most powerful when paired with a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card. To show you the difference, you know cash back means each point is worth a penny. But when you have it paired with one of these other cards to unlock points transfers, we value those points at 1.75 cents a piece – due to the flexibility of transfer partners and the potential redemptions those programs offer. So pairing your card boosts the rewards value, in our humble opinion, by 75%.
When using our spend calculator on this card, you’ll notice that we ask if you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card and, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly.
Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a business card.
Frequently asked questions
Does the Ink Business Cash Credit Card have an annual fee?
No, there’s no annual fee with the Ink Cash card.
Does the Ink Business Cash Credit Card get you into airport lounges?
As a no annual fee card, it lacks benefits like airport lounge access.
Is it hard to get the Ink Business Cash Credit Card?
It’s not too hard if you have a business – even just a side business! – and a good credit score in the high 600s or better. Keep in mind that you don’t need a registered business to apply. A side hustle will do as we explain on our Business Credit Cards page.
How do I earn points / cash with the Ink Business Cash Credit Card?
You’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year plus 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on other purchases.
The Chase Ultimate Rewards points earned with the Ink Business Cash are effectively just cash back – unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card. If you do, you can transfer your cash back points to those cards where you can use them to transfer to airline and hotel partners or book in the Chase Ultimate Rewards portal at the rate conferred by that card.
Is there a better credit card than the Ink Business Cash Credit Card?
The Ink Cash is KING for office supply purchases, which can include gift card purchases. It’s also amazing for 5% back on cable, internet, and phone – although it lacks the cell phone protection benefit of the Chase Ink Preferred.
As for a better card, that depends on what you are looking for so if this card isn’t hitting the mark for you, check out our Card Explorer where you can filter by just about anything you want (or don’t want!)
Does the Ink Business Cash charge foreign transaction fees?
Yes, you’ll pay a 3% foreign transaction fee on this card, so make sure you also carry a credit card with no foreign transaction fees for when you travel abroad!
Does the Ink Business Cash have car rental coverage?
It has primary car rental CDW coverage when renting for business purposes in the US or for any purpose abroad. Terms apply.
Does the Ink Business Cash come with any Elite Status?
No, it does not. One drawback of a no annual fee credit card!
Does the Chase Ink Cash offer extended warranty?
Yes, it will extend the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Does the Chase Ink Cash offer purchase protection?
Yes, your new purchases on the Ink Cash card are covered for 120 days against damage or theft – with limits of up to $10,000 per claim and $50,000 per account. Not bad for a card without an annual fee!
Does the Chase Ink Cash offer trip protections?
Not really. It only offers the card rental CDW coverage.
What credit score do I need to get a Chase Ink Cash?
We recommend that you have good credit – a 670+ FICO or better – to apply.
What can I do with the points earned for spending on the Chase Ink Cash?
You can redeem them for cash back at a penny a piece. However, if you also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card, you can transfer your cash back points to those cards where you can use them to transfer to airline and hotel partners or book in the Chase Ultimate Rewards portal at the rate conferred by that card (1.25 or 1.5 cents per point).
Does the Chase Ink Cash have Cell Phone Protection?
No. Cell phone protection is a benefit of a different Chase Ink card – the Chase Ink Preferred.
Does the Chase Ink Cash Card offer 0% Intro APRs on purchases or balance transfers?
There is a 0% intro APR offer for new purchases for 12 months (see rates at the top of this page). It does not offer anything for balance transfers.