Ink Business Cash Credit Card overview
Chase’s Ink Business Cash® Credit Card (see rates and fees) is a great choice for small businesses looking to earn bonus rewards on office supplies and select utilities and at gas stations and restaurants — for no annual fee. And you can more than double the value of your rewards if you transfer them to a card that earns Chase Ultimate Rewards points. Card Rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Ink Business Cash is one of the best no-annual-fee business cards on the market.
It offers high earning rates on everyday expenses like office supplies, and cable, internet and phone services — plus strong returns at gas stations and restaurants. And if you also hold a premium Chase card, you can unlock even greater value by transferring rewards to the Ultimate Rewards ecosystem.
The recommended credit score to apply for this card is 670 or above.
Let’s take a closer look at the Ink Business Cash Credit Card so you can decide if it’s a good fit for your business.
Ink Business Cash pros and cons
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Ink Business Cash welcome offer
The Ink Business Cash is currently offering a lucrative, limited-time welcome bonus. New applicants can earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening.
This matches the highest bonus offered in the card’s history and is the first time we’ve seen it since January 2024. So, now is the best time to apply.
And you can turn the cash-back bonus into Ultimate Rewards points if you transfer your cash-back rewards to a card that earns Ultimate Rewards points, such as the Ink Business Preferred® Credit Card, Chase Sapphire Reserve® (see rates and fees), Chase Sapphire Preferred® Card (see rates and fees) or Chase Sapphire Reserve for Business℠ (see rates and fees).
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If you also have one of these cards, your cashback will become 90,000 Ultimate Rewards points worth $1,845, according to TPG’s September 2025 valuations.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Ink Business Cash is subject to Chase’s 5/24 rule, meaning you’ll likely be denied if you’ve opened five or more personal credit cards across all banks in the past 24 months.
Related: Your guide to the Chase Ink Business credit cards
Ink Business Cash benefits
The Ink Business Cash is a no-annual-fee card that offers modest benefits and perks.
One of the card’s best perks for many small-business owners is that you can request cards for employees at no additional cost. You’ll earn rewards for their spending, and you can even set individual employee spending limits for greater control.
When you purchase eligible items with the Ink Business Cash, these purchases will be covered by extended warranty and purchase protections. These protections can save your business some serious cash.
Extended warranty protection extends the period of a U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less. And purchase protection covers your new purchases for 120 days against damage or theft at up to $10,000 per claim and $50,000 per account.
When you rent a car, you can be covered by the Ink Business Cash’s auto rental collision damage waiver when you decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rentals in the U.S. and abroad.
Whether you’re at home or abroad, you can call the Benefit Administrator for legal and medical referrals as well as other travel and emergency assistance. Agents can provide guidance and information when needed, but you’ll be responsible for the cost of any services you obtain.
Finally, the Ink Business Cash features zero liability protection, which means you won’t be held responsible for unauthorized charges made with your card or account information. Chase will help safeguard your account using real-time fraud monitoring.
Related: Reasons to apply for the Ink Business Cash
Earning rewards on the Ink Business Cash
With the Chase Ink Business Cash, you’ll earn:
- 5% cash back at office supply stores and on cable, internet and phone services (on up to $25,000 in combined purchases per account anniversary year)
- 2% cash back at gas stations and restaurants (on up to $25,000 in combined purchases per account anniversary year)
- 1% cash back on all other purchases
5% cash back is impressive for a no-annual-fee card, one of the best cash-back credit card earning rates on the market, and it’s even better if you have a card that earns Chase Ultimate Rewards points. Then you can transfer your cash back to Ultimate Rewards points and effectively earn 5 Ultimate Rewards points per dollar spent at office supply stores and on cable, internet and phone services.
Since TPG’s September 2025 valuations peg Ultimate Rewards points at 2.05 cents each, that’s an over 10% return on spending in these categories.
Related: Business credit cards vs. charge cards — which is right for you?
Redeeming rewards on the Ink Business Cash
Just because the Chase Ink Business Cash is a cash-back card doesn’t mean you don’t have options for redeeming your rewards. If you redeem for cash, you can receive your money as an account statement credit or through an electronic deposit into an eligible U.S. checking or savings account.
Other options, such as gift cards, travel, unique experiences, Amazon Shop with Points and Apple Ultimate Rewards Store, provide less than face value for your cash-back rewards. So, we generally don’t recommend redeeming your rewards for these lower-value options.
Related: How to maximize your Chase Ultimate Rewards points
Transferring rewards on the Ink Business Cash
If you have a card such as the Ink Business Preferred or a Sapphire card that earns Chase Ultimate Rewards points, you unlock an additional redemption option: You can convert the cash-back rewards on your Ink Business Cash to Chase Ultimate Rewards points.
The other card that earns Chase Ultimate Rewards points must be registered to you, the company’s owner or a household member to qualify. Once you move points to an Ultimate Rewards-earning account, you can transfer them to airline and hotel travel partners or book travel directly through Chase Travel℠ at a better rate.
TPG contributing editor Matt Moffitt converts the cash back he earns on his Ink Business Cash to Ultimate Rewards points as he holds the Chase Sapphire Reserve. Then he transfers those points to World of Hyatt for high-value hotel redemptions.
Related: How to book travel (and save points) with Chase Travel
Which cards compete with the Ink Business Cash?
The Ink Business Cash is an excellent choice if your primary spending aligns well with the office supply and utilities bonus categories. But here are some other options:
For additional options, check out our full list of the best business credit cards.
Related: How to get a business credit card
Is the Ink Business Cash worth it?
The Ink Business Cash is ideal if your business spends under $25,000 each year in its top bonus categories (office supply stores, cable, internet and phone services; or gas stations and restaurants). Once you hit that cap, bonus earnings drop to 1%, so this card works best for businesses with moderate expenses in these categories.
Bottom line
The combination of simplicity and the potential for redemptions makes the Ink Business Cash a good choice if you’re looking for cash-back rewards or the ability to convert cash back to transferable travel rewards.
If you frequently shop at office supply stores or pay cable, internet and phone services with a credit card, adding the Ink Business Cash to your wallet could elevate your earnings on these expenses without requiring you to pay an annual fee.
Apply here: Ink Business Cash
