The Chase Ink Business Cash Review for 2021

Earn big with the Ink Cash’s tiered rewards, $750 welcome offer, and $0 annual fee.

Overview

Credit Card

Ink Business Cash® Credit Card

Great For: Typical business expenses
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on Chase's secure website
  • $750 signup bonus if you spend $7,500 in first 3 months
  • 0% intro APR for 12 months on purchases
  • 5%, 2% or 1% cash back depending on where you spend
  • Welcome offer

    $750 cash back

  • Rewards rate

    5%, 2% or 1% cash back on purchases

  • Annual fee

    $0

  • Minimum credit

    660

Quick Summary

The Chase Ink Business Cash offers top cash back rewards for typical small business expenses like office supplies and phone service. Plus, Chase throws in a $750 welcome offer and a 12-month 0% intro APR period on purchases—and they won’t even charge you an annual fee.

Ink Cash Intro Rates

This Chase business credit card comes with a 12-month 0% intro APR period on purchases.

But keep in mind, this 0% intro APR period will only apply if you make your minimum monthly payments on time every month. Otherwise, you might forfeit your year of no-interest spending of you’re not punctual with your minimum payments every time.

Additionally, you should be sure to pay off all of your debt by the time your 12 months is up, because it doesn’t last forever.

With the Ink Cash, a variable APR will set in after your 0% intro APR period, and though your APR will depend on your creditworthiness and the market Prime Rate, it will certainly set in at higher than 0%. Be sure to see the issuer’s terms and conditions for the latest APR information.

Ink Cash Rewards: Welcome Offer

$750 Cash Back

The Chase Ink Business Cash Card offers a one-time cash back welcome bonus that will depend on your spending during your first months with the card.

If you spend $7,500 during the first three months after opening your Chase Ink Business Cash account, you’ll get $750 in cash back from Chase.

If you’re looking to access a lengthy 0% intro APR period and feel warmly welcomed by your business credit card, then the Chase Ink Business Cash is the perfect option for you.

Ink Cash Rewards: Ongoing Offer

5%, 2%, or 1% Cash Back

The Chase Ink Cash Business Card also offers pretty stellar cash back rewards.

Depending on what you spend your money towards, the Chase Ink Business Cash offers cash back at different rates. The card comes with 3 rewards tiers, with the top two earning you more cash back for specific expenditures:

  • 5% cash back on the first $25,000 you spend annually on purchases:
    • From office supply stores
    • On cellular phone, landline, internet and cable TV services
  • 2% cash back on the first $25,000 you spend annually at:
    • Gas stations
    • Restaurants.
  • 1% cash back on all other card purchases.

Ink Cash Annual Fee

$0

Now, for arguably the most exciting feature the Chase Ink Business Cash boasts—it comes with a $0 annual fee.

That’s right—you’ll be able to access the Chase Ink Business Cash’s abundant cash back rewards for free.

As long as you spend responsibly, the Ink Cash’s $0 annual fee makes it all earning, all the time.

Is the Ink Cash Right for You?

Get the Ink Business Cash if:

  • You spend within typical small business purchase categories.
  • You’re looking for a 12-month 0% intro APR on purchases.
  • You want to access a welcome offer.

Skip the Ink Business Cash if:

  • You’re looking for a card with a longer 0% intro APR.
  • You do a lot of business spending abroad and want to dodge foreign transaction fees.

Why Go For the Ink Business Cash?

Lengthy 0% Intro APR Period

Put simply, a 0% intro APR period can be one of the most lucrative features a credit card can offer. And the Chase Ink Business Cash Card offers one of the longest 0% intro APR periods on the market.

If you’re carrying a balance on a business credit card, you’re essentially losing money for your business in the form of interest. And this is the pain point that 0% intro APR periods address.

By using the Ink Cash’s intro period to gradually pay off a balance without accumulating interest for a full 12 months, you’ll be able to save a pretty huge sum of cash in avoided interest.

Generous Welcome Offer

The Chase Ink Business Cash Card is extremely rare in that it offers up both a 0% intro APR period and a welcome bonus.

As long as you spend an average of $2,500 per month during your first 3 months with the Ink Cash, you’ll get $750 worth of cash back added to your account.

And if you need to make a big purchase and pay it off gradually with no interest using the 0% intro APR period, this spending threshold for the welcome bonus will be that much easier to reach.

No Annual Fee

Having no annual fee is just another of the most notable reasons why the Chase Ink Business Cash is one of the best cash back business credit cards out there.

Provided that you spend responsibly with the Ink Cash, you’ll always be seeing a return, no matter how strategic you decide to be with your cash back rewards.

With the Chase Ink Business Cash, you’ll be able to dodge the equations that come with annual fees and spend with the peace of mind that comes with knowing you’re always earning.

Small Business-Friendly Top Rewards Categories

Finally, the last of the top four reasons why you should go with the Chase Ink Business Cash Card is its top-earning rewards categories.

How much do you spend every year on office supplies and communication services? Now, imagine that spending, but earning 5 cents for every dollar of the first $25,000 of it.

Same goes for every purchase you make at restaurants and gas stations, but 2 cents for every dollar of the first $25,000 you spend annually.

If you’re doing a lot of your business spending within the Ink Cash’s top rewards categories, then this card could be extremely lucrative for your business.

Ink Business Cash: The Downsides

Capped, Complicated Rewards Program

Though the Chase Ink Business Cash’s rewards rates can be lucrative for many business owners, they can often end up causing more trouble than they’re worth.

Plus, at the end of the day, these top rewards categories can only earn you so much cash back. The spending caps on them will limit the returns you see from this cash back business card.

Not to mention, keeping track of your spending and figuring out how to optimize your cash back rewards might be too burdensome for you. After all, a business credit card is supposed to make your life as a business owner easier.

Foreign Transaction Fees

Another notable downside that the Chase Ink Business Cash Card will come with is its foreign transaction fee.

Every time you use your Ink Business Cash to pay for a purchase overseas, Chase will charge you 3% of the transaction amount. If you’re doing a fair amount of your business spending abroad, then this foreign transaction fee can seriously add up.

To avoid this unnecessary charge, look to other business credit cards that won’t saddle you with a fee for doing international business.

Top Alternatives to the Ink Cash

Credit Card

The Blue Business® Plus Credit Card from American Express

Great For: Making purchases with a 0% intro APR period
Apply Now
on American Express's secure website
Read Full Review
  • 12 month 0% intro APR period on purchases from the date of account opening
  • 2X points for the first $50K spent
  • No annual fee
  • Intro APR

    0%

  • Regular APR

    13.24% – 19.24%

  • Annual fee

    $0

  • Minimum credit

    700

In This Review