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Updated March 11, 2014

Ink Cash Business Card Review


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 Business Card by Chase is a great bet for small businesses that plan on using their card within the US and want the simplicity of cash rewards.

Ink Cash Business Card
Apply for Ink Cash Business Card
  • Earn $200 bonus cash back after you spend $3,000 in the first 3 months from account opening.
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
  • 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)
$0

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 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 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 they spend annually on dining and gasoline purchases (the base 1% with an additional 1% cash back). 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 they spend annually at office supply stores and on cell phone, landline, internet, and cable TV services.

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

Other Benefits
There are some other notable features of the Ink Cash Business 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 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

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Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. 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 March 11, 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
  • Earn $200 bonus cash back after you spend $3,000 in the first 3 months from account opening.
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
  • 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)
$0

Compare Ink Cash to:

Ink Bold Business Card
Apply for Ink Bold Business Card
  • Earn 50,000 bonus points after you spend $5,000 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 annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 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
  • Earn 50,000 bonus points after you spend $5,000 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 annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
  • No foreign transaction fees
  • 1:1 point transfer to popular 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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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.