Chase Ink Business Cash® Credit Card Review
The Ink Business Cash® Credit Card is a great no annual fee, cash back business card from Chase. As part of the Ink family, it is a business card and you need to have a business in order to qualify. Similar to Chase cash back cards, when combined with some of their premium cards, you have the potential to turn your cash back into points. We will cover the welcome offer, earning structure, card perks and share our overall thoughts in this Chase Ink Business Cash® Credit Card Review. UPDATE 6/12/26: There's a new limited-time offer.
Chase Ink Cash Welcome Offer Details
The current offer for the Ink Business Cash® Credit Card is the following:
- Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
- This card has a $0 annual fee.
Chase Application Rules
Like other Chase cards, you will not qualify for this card if you have opened more than 5 credit cards with any bank in the last 24 months. It is worth noting that since this card is a business card it will NOT add to your 5/24 count, but you do need to be under it to get the card.
Last fall, some new terms also got added for both the Chase Ink Business Cash and Chase Ink Business Unlimited cards. They now read: “The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee. We may also consider factors pertinent to your business in determining your bonus eligibility.” In practice, this does not necessarily mean you won't be able to get both cards. But you've held either of these cards before, you may (or may not) get a pop-up alerting you that you are ineligible for the bonus and asking if you'd like to continue your application. We discuss the new terms in detail here.
Chase Ink Business Cash® Credit Card Review: Earning Rates
The Ink Business Cash® Credit Card offers one of the most rewarding earning structures out there, especially for a no annual fee card. Here are the current earning rates:
- 5% back / 5x on the first $25,000 in combined spend during each anniversary (not calendar) year for the following categories:
- Office supply stores
- Internet
- Cable
- Phone Services
- 2% back / 2x on the first $25,000 in combined spend during each anniversary (not calendar) year for the following categories:
- Gas
- Dining
- 1% / 1x on all other eligible purchases, with no limit to the amount you can earn.
How To Turn Your Cashback Into Ultimate Rewards
While you can earn cash back with the Ink Business Cash® Credit Card, you can also use your points for travel. This is even more valuable if you have on of the following premium Chase cards:
That is because the Ink Cash is a part of the Chase Ultimate Rewards program allowing you to transfer points between all of your accounts. Once your points are in an Ultimate Rewards earning account (one of the three cards listed above), you can transfer points 1:1 to a variety of airline and hotel partners.
Card Benefits
The Ink Business Cash® Credit Card comes with a complimentary three-month lnstacart+ membership. If there is one knock on this card, though, it is that there are very few card perks to speak of. It is nice that the points earned with the Ink Cash can be turned into transferrable Ultimate Rewards if you have the proper card lineup (discussed above). That gives users the chance at additional value and why getting the Chase Trifecta is so important.
Chase Ink Cash: ToP Analysis
The Ink Business Cash® Credit Card is a favorite among the ToP team because of it's rewarding earning structure and no annual fee. This is a sure thing, no doubt about it long term keeper card. Especially if you pair it up with an Ultimate Rewards earning card to unlock its full potential. It is probably the best card available for racking up Ultimate Rewards points via spend outside of the welcome offer. The welcome offer deserves its time in the sun as well. At the current level it is one of the best offers in the business, or personal, credit card arena. For example, 100,000 points are instantly worth $1,000 in cash back, but can be worth so much more if you unlock them as full blown Ultimate Rewards points. At that point you are looking at closer to $2,000 in value when used for hotels or international flights.
Chase Ink Business Cash® Credit Card Review: ToP Thoughts
The Ink Business Cash® Credit Card is the business card hero of ToP. Every single member has one, carries it everywhere they go and plans to keep it for as long as Chase will offer it. That is because of the earning potential it offers all for the rock bottom price of $0 for the annual fee. That is a deal that is probably too good to be true, but it IS true! If your business can max out the 5% earning category each cardmember year that is a earning potential of $1,250 without tapping into the 2% earn on gas and restaurants. And, that is before you take into account the value that can be had if those points turn into transferrable currency instead of cash. You could be looking at closer to $2,000 in value. We give the Chase Ink Cash our stamp of approval of a must get & must keep card for the majority of people!
