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 | September 23, 2011 8:00 AM PT Ink Cash Business Card Review
Free of annual fees, the Ink Cash Business Card helps small business owners earn cash rewards right away thanks to an introductory cash back offer. Bonus rewards categories and an introductory 0% APR sweeten the deal even more. The Ink Cash Business Card by Chase is a great bet for small businesses who plan on using their card within the US and want the simplicity of cash rewards. 
 | | - Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
- 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
- Cash back rewards do not expire
- 0% Introductory APR for 12 months
- No Annual Fee
- Go to issuer's official application, terms, and details
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 12 months | 0% for 12 months | 10.24% (Variable) | $0 |
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| | | | Overall Score | 4.3 | | |
| | | Rewards | 4.5 | | | Fees | 4.5 | | | Benefits | 4.0 | | | | |
5-point scale (the higher, the better)
Pros and Cons- $250 cash bonus offer
- Gas and dining rewards
- 2% cash back on gas and dining only on first $25000
- 3% foreign transaction fee
Bottom LineExcellent cash back rewards card for small business Pros
There are several benefits that make this card a good pick for many companies:
Up to $250 cash back bonus: Cardholders earn $100 cash back after their first purchase, plus, $150 cash back when spend $5,000 in the first 3 months.
Anytime 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.
Get a cash back bonus when booking airfare online: Cardholders are able to earn 2% cash back on airfare when they book their travel online through the booking tool offered by Chase. Booking online will also save your company the $20 booking fee that is charged when you make airfare reservations through over phone. This bonus has unlimited earning potential, so it is a great offer for businesses with employees who travel often.
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 on office supplies, cable services and telecom services.
This bonus includes purchases from wholesale distributors, but excludes warehouse clubs, discount stores and superstores. Many online and catalogue purchases may also be excluded, depending on how the company has defined its merchant code with Visa and Mastercard. This means if you tend to purchase office supplies from these locations, you may not fully benefit from the cash back program.
0% APR: This card offers an introductory rate on purchases and balance transfers for the first 12 billing cycles.
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 free additional cards for employees. You can customize spending limits on a per card basis, giving you more control.
Other features include purchase protection, an extended warranty, and travel accident insurance. You also receive itemized monthly statements, quarterly management reports, free text or email alerts and a fraud early warning service, all of which will make it easy to manage and monitor your account.
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 Classic 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 Clark at meghan@creditdonkey.com Share this on Facebook or Twitter Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program. Disclaimer: This content was first published on September 23, 2011. This content may have been updated on April 30, 2012. 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.
| | - Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
- 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
- Cash back rewards do not expire
- 0% Introductory APR for 12 months
- No Annual Fee
- Go to issuer's official application, terms, and details
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 12 months | 0% for 12 months | 10.24% (Variable) | $0 |
|
Compare Ink Cash to:
| | - Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 1 point per dollar on all other card purchases with no limit on the amount you can earn
- Points do not expire
- 0% Introductory APR for 12 months
- No Annual Fee
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 12 months | 0% for 12 months | 10.24% (Variable) | $0 |
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