Business Credit Cards

Chase Ink Business Cash® Credit Card

If you’re a small business owner looking for a credit card with great rewards and practical benefits, the Ink Business Cash® Credit Card might be the perfect fit. This card is designed to help you earn cashback on everyday business expenses, save on interest with an introductory APR offer, and manage your spending efficiently. This review will cover everything you need about the Ink Business Cash® Credit Card, including its features, benefits, pros, cons, and whether you should apply.

Earn up to $750 bonus cash back

0% intro APR for 12 months from account opening on purchases. After that, 18.49%–24.49% variable APR.

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What is the Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a business credit card that offers substantial cashback rewards on common business purchases. It’s part of Chase’s Ink Business® credit card lineup, which provides excellent value and rewards to small business owners. This card is particularly appealing due to its high cashback rates in specific spending categories and lack of an annual fee.

Pros

Cons

Benefits of the
Ink Business Cash® Credit Card

Generous Welcome Offer

You can earn a substantial welcome bonus when you meet the spending requirement within the first few months of opening your account. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. This bonus can provide a great start to your cashback-earning journey and help you save on future expenses.

High Cashback Rates on Business Categories

The Ink Business Cash® Credit Card offers impressive cashback rates on purchases in several key business categories. Here’s a closer look at how you can maximize your rewards:

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. That means if you earn $2,500 in cash back, you’ll get a $250 bonus. Offer is only available for Ink Business Cash® cards opened between March and November 2024.
5% Cash Back: Earn 5% cash back on the first $25,000 spent each account anniversary year at office supply stores and on internet, cable, and phone services. This can add up quickly if your business relies heavily on these services.
2% Cash Back: Earn 2% cash back on the first $25,000 spent each account anniversary year at gas stations and restaurants. This is ideal for businesses with significant travel or dining expenses.
1% Cash Back: Earn unlimited 1% cash back on all other purchases, providing steady rewards no matter what you buy.

Introductory APR Offer

The Ink Business Cash® Credit Card offers a 0% introductory APR on purchases for the first 12 months from account opening. This can be a valuable feature if you need to make large purchases or manage cash flow more effectively. After the introductory period, a variable APR applies, so paying off your balance before the higher rate kicks in is essential.

No Annual Fee

One of the significant benefits of the Ink Business Cash® Credit Card is that it has no annual fee. This means you can enjoy all the card’s rewards and benefits without paying an additional cost each year. It’s an excellent option for small businesses looking to keep expenses low while earning valuable rewards.

Additional Benefits of the Ink Business Cash® Credit Card

Pay your monthly cell phone bill with the Chase Ink Business Preferred® Credit Card, and you’ll receive cell phone protection. This benefit covers theft or damage to your phone up to $1,000 per claim, saving you money on repairs or replacements.

**There is a $100 deductible per claim, and you can make a maximum of 3 claims in a 12-month period.

Is the Ink Business Cash® Credit Card Right for You?

The Ink Business Cash® Credit Card is a strong contender for business owners looking for a straightforward way to earn cash back on everyday business expenses. However, whether it’s the right card for your business depends on your needs and spending habits.

Consider the Chase Ink Business Preferred® Credit Card if:

You Value an Introductory APR Offer

You Spend a Lot in the Bonus Categories

You Want a No-Fee Card

You Need Employee Cards

Look for Other Options if:

You Spend More Than the Bonus Cap

You Want Extensive Travel Benefits

Final Thoughts

The Chase Ink Business Preferred® Credit Card is an excellent choice for business owners who want to maximize their rewards and enjoy various benefits. With its generous welcome offer, high earning rates, flexible redemption options, and comprehensive travel benefits, this card can be a powerful tool for managing your business finances.

Consider your business’s spending patterns, travel needs, and expense management preferences to determine if the Chase Ink Business Preferred® Credit Card fits you. With the right strategy, this card can help you earn rewards, save on expenses, and enjoy premium services that support your business’s growth and success in 2024 and beyond.

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