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Updated June 2, 2014

Ink Cash Business Credit Card Review

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With no annual fee, the Ink Cash Business Card helps small business owners earn cash rewards fast thanks to an introductory cash back offer. Bonus rewards categories and an introductory 0% APR on balance transfers and purchases for 12 months to sweeten the deal even more. The Ink Cash by Chase is a great bet for small businesses that plan on using their credit card within the US and want the simplicity of cash rewards.

Ink Cash Business Card
Apply for Ink Cash Business Card
  • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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 card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • No annual fee.
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% (Variable)
No Annual Fee

Overall Score

4.3

Rewards

4.5

Fees

4.5

Benefits

4.0
5-point scale (the higher, the better)

Pros and Cons

  • $200 cash bonus offer
  • Gas and dining rewards
  • 2% cash back on gas and dining only on first $25000
  • 3% foreign transaction fee

Bottom Line

Excellent cash back rewards card for small business

If you’re a small business owner who’d rather enhance cash flow than watch your mileage points grow, the Chase Ink Cash Business Card is one of the best no-annual-fee business credit cards you can own.

Pros

There are several benefits that make this card a good pick for many companies:

  • $200 cash back bonus: Cardholders earn $200 cash back after they spend $3,000 in the first 3 months from account opening.

  • Cash back: Cardholders earn 1% cash back on an unlimited number of eligible business purchases.

  • Earn even more with dining and gas rewards: Cardholders earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. This is perfect for businesses that entertain clients or have employees on the road.

  • Maximize your cash potential with office rewards: The cash back potential grows even more when cardholders use their Ink Cash card to pay for office expenses. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.

  • 0% intro APR: This card offers a 0% introductory rate on purchases and balance transfers for the first 12 months. After that, the variable APR will be 13.24%.

Other Benefits
There are some other notable features of the Ink Cash business credit card. First, the card offers zero fraud liability, so cardholders will never have to pay for unauthorized charges. Businesses are also able to obtain additional no annual fee cards for employees. You can customize spending limits on a per card basis, giving you more control.

Other features include purchase protection, extended warranty protection, and travel accident insurance.

In addition to these benefits, cardholders receive free monthly statements and quarterly management reports in which expenses are itemized and categorized, which makes it easier to track spending.

Cons

There are some drawbacks that business owners should be aware of before they apply for this card.

The 2% cash back on gas and dining is only on first $25000. If you spend more than $25000 a year in combined purchases on gas and dining, you might want to compare your options.

The card has a foreign exchange transaction fee of 3% of the amount of each transaction, which you should be aware of if your employees will be traveling internationally.

Bottom Line

Small business owners looking to earn cash back without paying an annual fee should seriously consider the Ink Cash Business Card from Chase. Higher-spending businesses or companies who send employees abroad would be more interested in a card offering more benefits in exchange for an annual fee.

To see how the Ink Cash card stacks up to the similar Ink Plus and Ink Bold cards, see our comparison page.

Next Step: View the issuer's official application, terms, and details

Follow @CreditDonkey or write to Meghan C at meghan@creditdonkey.com
Meghan C is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on September 23, 2011. This content may have been updated on June 2, 2014. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

More Articles in Reviews

Ink Cash Business Card
Apply for Ink Cash Business Card
  • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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 card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • No annual fee.
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% (Variable)
No Annual Fee

Compare Ink Cash to:

Ink Bold Business Charge Card
Apply for Ink Bold Business Charge Card
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • No interest charges because you pay your balance in full each month.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No foreign transaction fees
  • Direct access to a live service advisor anytime.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95.
Card TypeAnnual Fee
Business Charge Card
$0 Intro Annual Fee for the first year, then $95

Ink Plus Business Card
Apply for Ink Plus Business Card
  • Named "Best for Travel Rewards for Small Business" MONEY® Magazine, October 2013
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24% (Variable)
$0 Intro Annual Fee for the first year. After that, $95

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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