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Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 110 Offer Ratings
Over the Past 60 Days!

(110 ) Over the Past 60 Days!

  • Regular Purchase APR 14.74% - 20.74% Variable
  • Intro Purchase APR 0% for 12 Months
  • Intro BT APR 0% for 12 Months
  • Annual Fee $0
  • Credit Needed

    Excellent

  • Card Brand Visa®

Highlights

Card Fees

Expert Review of the Ink Business Cash℠ Credit Card

  • 4.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 4.0

    Benefits

  • star rating 4.0 /5

    Overall Rating

Customers this card’s best for

The Ink Business Cash℠ Credit Card is a great no-fee card for businesses that spend in typical business categories like office supply stores and internet, cable and phone services, since you will be rewarded with a higher cashback rate in these categories, among others. Compared with other business cards, this card is a standout for the high cashback rate in select categories — all at a $0 annual fee.

This card isn’t for businesses that predominantly spend on travel since you will earn a low cash back rate and are better off looking at travel business cards. This card also isn’t for businesses that want a flat-rate for all purchases.

Where this card stands out in its category

This card offers a high rate for business spending in select categories, which rivals some competing cards that offer a low flat rate for all spending. Also, the Ink Business Cash℠ Credit Card has a $0 annual fee — unlike most business cards — therefore, saving your business more money.

Where this card falls short in its category

The Ink Business Cash℠ Credit Card doesn’t have any major downfalls, except that it has caps for spending at the higher rates, and this may be an issue if your business is a big spender at office supply stores and on internet, cable and phone services. Other business cards offer no caps, or flat rates on all purchases — but you may have to pay an annual fee or receive a lower rewards rate.

Additional card benefits

The Ink Business Cash℠ Credit Card offers several additional benefits beyond its rewards program:

  • Free employee cards: Add employee cards to your account at no additional cost. You can set individual employee spending limits for greater control and earn rewards faster.
  • Travel and emergency assistance services: If any problems arise while you travel, you can call the benefits administrator for travel and emergency assistance including legal and medical referrals. (You will be responsible for the cost of any goods or services obtained.)*
  • Roadside dispatch: If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need — anything from a tow or a jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.*
  • Auto rental collision damage waiver: When you decline the rental company's collision insurance and charge the entire rental cost to your card, you may be covered up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.*

*Restrictions, limitations and exclusions apply. Benefits are available when you use your card.

How to use it most effectively

To get the most value out of the Ink Business Cash℠ Credit Card, be sure to use it for all of your business spending, and take out employee cards as needed (since employee cards earn rewards, too). You can establish individual spending limits for each employee so you monitor their spending. Keep in mind that you, as the account owner, are responsible for all charges made to your account — that means employee spending, too.

To earn the signup bonus, make sure you meet the requirements: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. This provides a great way to increase your rewards during the first few months of card membership.

Rewards breakdown

The Ink Business Cash℠ Credit Card earns you cash back on typical business purchases. 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 card purchases with no limit to the amount you can earn.

You can use your points to redeem for cash through an account statement credit or electronic deposit into an eligible checking or savings account, for gift cards or for travel. When you use points to redeem for gift cards and travel, each point is worth $0.01, which means that 100 points equals $1 in redemption value.

There is a signup bonus of Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Compare it with the Ink Business Preferred℠ Credit Card

The Ink Business Cash℠ Credit Card and the Ink Business Preferred℠ Credit Card appear to be two similar cards, but they differ in annual fee, rewards and 0% intro period. The Ink Business Cash℠ Credit Card has a $0 annual fee while the Ink Business Preferred℠ Credit Card has a $95. The fee may be worth it if your business spends more in the high-earning categories that the Ink Business Preferred℠ Credit Card offers.

The Ink Business Preferred℠ Credit Card offers a perk where points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. This is a great way to increase your rewards and makes the Ink Business Preferred℠ Credit Card the better card for traveling businesses. A key difference is the lack of a 0% intro period with the Ink Business Preferred℠ Credit Card. Therefore, if you want to take advantage of an intro interest-free period, the Ink Business Cash℠ Credit Card is a better option offering 14.74% - 20.74% Variable. Here’s a breakdown of the key features of each card.

  Ink Business Cash℠ Credit Card Ink Business Preferred℠ Credit Card
Annual Fee $0 $95
Purchase Intro Rate 14.74% - 20.74% Variable N/A
Balance Transfer Intro Rate Either $5 or 5% of the amount of each transfer, whichever is greater. N/A
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater. Either $5 or 5% of the amount of each transfer, whichever is greater
Ongoing APR 14.74% - 20.74% Variable 17.49% - 22.49% Variable
Rewards 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 card purchases with no limit to the amount you can earn. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Sign Up Bonus Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Foreign Transaction Fee 3% of each transaction in U.S. dollars $0

Bottom line

The Ink Business Cash℠ Credit Card is a great card for businesses that spend at office supply stores and on internet, cable and phone services. Not only will you enjoy a higher rate on these purchases than with competing cards, but you will also enjoy a good intro period for new purchases, allowing you to take time to pay off new transactions without accruing interest.

Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

Ongoing Information

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Consumer Reviews

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Offer Rating

4.0/5.0

110 Total Ratings

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Your Rating

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+106 users submitted a rating without a full review

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27 Found this review helpful

By: | Jul 3, 2017

Great cash back and no annual fee makes this card a winner.

94 Found this review helpful

By: | Oct 8, 2014

My husband and I have used this card for about 5 years now and we love it. We have a small family business and especially love the 3% back on gas. I have personally never had an issue with anything about this card and they seem very vigilant about protecting us from fraud. When there was a breech at one of the stores we had shopped at they sent us a new card with no questions asked. I love their user friendly website where I can redeem my points and check on my statements. I haven't found any other card with rewards as good either!

94 Found this review helpful

By: | Oct 8, 2014

We've had this card for more than 5 years. During that time we've seen some changes, but not the ones I'd like. Getting 3% back for several types of business purchases is very good--definite plus! That makes this card a valuable business asset. My personal drawbacks have to do with the online tracking of purchases. Specifically: when a transaction is processing, some activity is shown in the online account. However, that usually lasts only until midnight on that particular day. So, until the purchase actually posts, it is hidden from view. What that means to me is if I don't happen to go online the day of the purchase, I will not see that activity for up to 5 days after the physical purchase has been made. A lot of fraud can take place in that time frame! (Another card I have shows "pending" purchases constantly until actual posting--and I have been able to stop fraud before it affected me!) I mentioned this to a customer service rep on the phone in the past, but nothing much has changed--except that originally NO activity was shown until the transaction actually posted--so there has been SOME improvement. Another annoying, but probably good feature has to do with signing on to view my account online. If my browser is different, or my IP address has changed, I have to go through a series of verification steps that take at least 5-10 minutes of my time. This is probably a good safety feature, but I'd prefer the before-mentioned improvement.

96 Found this review helpful

By: | Sep 22, 2014

Their fraud department called me 4 times in the last 5 years when they thought someone else was using my card. They were right each time and immediately canceled each card and had a new card in my hands the next business day. I do a lot of on-line transactions and I am as careful as possible but maybe not careful enough. Chase INK is looking out for me.

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