Chase Ink Business Cash

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Ink Business Cash® Credit Card – Card Art.png

Ink Business Cash® Credit Card Review
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The Chase Ink Business Cash® Card is a popular option for those seeking a business credit card, thanks to its strong combination of rewards and perks that cater to everyday spenders.

In this review, we’ll cover the card’s key features, including its introductory offer, earning potential, travel insurance benefits, and other valuable perks.

A Standout Introductory Offer

The Ink Business Cash® Credit Card comes with a welcome offer that delivers exceptional value for business owners looking to maximize rewards from their everyday purchases.

The introductory offer is made up of a single, straightforward bonus:

$750 bonus after spending $6,000 on purchases in the first 3 months after account opening
APR: 0% Intro APR on Purchases for 12 months, then 17.24% - 25.24% Variable

Optimized Cash Back for Maximized Business Spending

The Ink Business Cash offers a variety of earn rates across multiple categories, making it easy for cardholders to easily earn cash back on any expenses that they need to put towards their business. Here’s how the earn rate breaks down:

5% cash back on the first $25,000 in combined purchases each account anniversary year in the following categories:
- Office supply stores
- Internet, cable, and phone services
2% cash back on the first $25,000 in combined purchases each account anniversary year in the following categories:
- Gas stations
- Restaurants
1% cash back on all other purchases
5% cash back on qualifying Lyft purchases through 09/30/2027

These cash back rates reward everyday operational expenses that small businesses would use, making the Ink Business Cash a well-rounded card for small business owners.

Travel Protection Benefits

The Ink Business Cash is not marketed as an optimal card for frequent travelers, as it doesn’t offer a bonus cash back or points rate for travel purchases. It also offers very basic travel insurance protections compared to other cards on Chase’s market. The Ink Business Cash only offers insurance for vehicle rentals, with the coverage being defined as:

Auto Rental Coverage: 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 $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Final Thoughts: Is the Ink Business Cash Right for You?

If your business frequently spends in categories like office supplies, telecommunications, gas, and dining, the Chase Ink Business Cash card is an ideal fit. The card offers excellent earning potential which rewards small business owners who need to make moderate expenditures–all without an annual fee.

For businesses seeking high rewards on essential expenses and a substantial welcome bonus, the Ink Business Cash delivers dependable value.

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