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Ink Business Cash® Credit Card

Credit needed
Excellent, Good
APR
Variable: 13.24% to 19.24%
Annual Fee
$0

Card Summary

Although the Ink Business Cash Credit Card's rewards system is complex, it can still be beneficial for small business owners who spend more on card bonus categories. After spending $7500 in purchases within the first three months of account opening, new cardholders earn $750 cash back.

You will also receive a 5% cash bonus on your first $25,000 in purchases made at offices supply shops and online cable and telephone services, and 2% cashback on your first $25,000 in purchases made at restaurants and gas stations. Cardholders who are new will receive a 0% promotional APR for twelve months. The APR will vary depending on creditworthiness and can be as high as 13.24% or low at 19.24% variable.

The fee for a balance transfer is 5% plus a minimum of $5. There is no annual fee for the card. Your card's primary insurance covers your rental car. This means that you do not need to make a claim against your own personal insurance before the card kicks in.

To get coverage, you must use your car for business purposes. Purchase protection up to $10,000 is available for any items that are lost or damaged during the first 120 days after purchase. You may be eligible for an additional year of warranty protection if you purchase something that has a warranty less than three years.

The card also offers emergency services, roadside dispatch, travel assistance and emergency help. Ink Business Cash Credit Card offers a great opportunity to earn a lot. However, if you don't have the company's daily expenses in line with the bonus categories of this card, then your earnings may be mediocre at 1% on all purchases.

The card's APR is high so avoid keeping a balance. Ink Business Cash Card Review: The card gives cash back on eligible purchases, and there is no annual fee. However, cardholders with a high balance may not like the card's potentially high APR.

The pros Cash back up to 5%. You will receive a substantial introductory bonus. Purchases eligible for a 0% APR Charges no annual fee.

Card Summary - Cons

There is a limit on the amount of bonus rewards. Low base reward rate.

Transfer fee of balance assessed Potentially high interest rates.

This is a great place to be for:

Owners of businesses whose spending is in line with the bonus categories on the card.
Owners of businesses who have to finance large expenses.
Owners of fee-averse businesses.

It's not great for:

Cardholders who have spent more than $25,000 in bonus categories on their card.
Owners of businesses whose business expenses are not in line with the bonus category.
Balance carriers.

Rates and fees

Issuer Name
Chase
Penalty APR
Maximum 29.99%
Credit Needed
Excellent, Good
Balance Transfer Fee
The transfer amount must be either $5 or 5%, depending on which is higher.
Annual Fee
$0
Cash Advance Fee
The amount for each transaction is either $15 or 5%, depending on which one you prefer.
APR
Variable: 13.24% to 19.24%
Foreign Transaction Fee
Each transaction is charged 3% in U.S. Dollars
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The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

After you have spent $7,500 in your first three months of account opening, $750 cashback will be earned. Get 5% cashback on your first $25,000. Purchase at office supply stores and internet, cable and phone services.

Each Account Anniversary Year: Earn 5% Cashback Each account anniversary year, earn 2% cashback on your first $25,000 in gas station and restaurant purchases. All other purchases earn 1% cashback.

Fraud Protection will monitor your transactions for suspicious activity. This is done using real-time fraud monitoring. You won't have to pay any unauthorized charges for information or transactions made using your card.

There is no annual fee. Chase Ultimate Rewards allows you to redeem rewards for travel, cash back and gift cards. Purchases at 0% APR for twelve months.

Benefits

Comparative Analysis with Other Cards

What is the Ink Business Credit Card's Comparability to Other Cards?

Ink Business Cash Credit Card and American Express Blue Business Cash Card.

Cash back is possible with both cards. However, it will depend on how you spend your money. Ink Business Cash Credit Card offers 5% cashback on purchases made at office supply shops and online, cable, and telephone services. The card also earns 2% cashback on purchases of $25,000 at restaurants and gas stations.

All other purchases are eligible for 1% cashback. American Express Blue Business Cash Card offers 2% cashback on eligible purchases up to $50,000 annually. After that, 1%.Each card offers a 0% initial APR on all purchases for 12 months. After that, a variable APR between 13.24% and 19.24% is applied.

Annual fee: Neither card has an annual fee.


Amazon Business Prime American Express Card

Amazon Prime members who qualify for small businesses can apply to the Amazon Business Prime American Express Card.

Rewards: This card earns you 2% at U.S. stations, restaurants, and wireless service providers. Ink Business Cash Credit Card offers a 5% cashback on purchases made at offices, on cable or phone services and at restaurants. It also earns 2% cashback on purchases of $25,000 and $25,000 in total purchases each year. All other purchases are eligible for 1% cashback.

Amazon Business Prime American Express cardholders have the option to either earn 5% or 0% interest for 90 days on all eligible purchases in America at Amazon Business Web Services, Amazon.com, Whole Foods Market, Amazon.com, Amazon Web Services and Amazon.com.

Sign-up bonus: The first $120,000 worth of eligible purchases per year earns you a bonus cash back. After that, it's 1%. After spending $7500 in eligible purchases within the first three months of account opening, Ink Business Cash Card card holders receive $750 cashback.

Annual fee: There is no annual charge for either card.

The Ink Cash Credit Card:

How to get rewards?

If you spend $300 per monthly on phone, internet and cable services, then you will earn $180 cash back in the first year. You can earn hundreds of dollars every year in cash back by adding in the expenses you make at office supply shops, gas stations, restaurants and other places. There is no annual fee.

The Ink Cash Credit Card:

How to redeem rewards?

You may also be eligible to get more out of your reward points if you have the Chase Sapphire Preferred Card, Ink Business Preferred Card or Chase Sapphire Reserve. To get more redemption opportunities, Chase lets you transfer rewards from the Ink Business Cash Credit Card into any other card.

Chase Sapphire Preferred Card or Ink Business Preferred Card will give you 25% extra value when you book Chase travel with your points. Chase Sapphire Reserve offers 50% greater value for points that you redeem this way.

You can transfer your points to Chase's hotel and airline partners with all three cards. This will help maximize the rewards value. U.S. News Research shows that some partners may offer greater value than others.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need the Ink Cash Credit Card for Business?

You want to skip an annual fee. Purchases at 0% initial APR You can spend a lot of money on the bonus category cards, but not excessively. You can pair this card with the Chase Sapphire Preferred Card, Ink Business Preferred Credit Card and Chase Sapphire Reserve.

Questions about the Ink Cash Credit Card

What is a Chase Ink card? Q: Do you have all three Chase Ink cards?

Chase has the Ink Business Cash Credit Card. Chase Ink Business Prepaid Credit Card. Chase Ink Business Unlimited Credit Card. You can apply for each card separately.

What Chase Ink card is the best?

Every Chase Ink offer is different. You will need to decide whether an annual fee is necessary, what introductory APR you require and which rewards category your company spends most.

Can the Ink Business Cash Card earn Chase Ultimate Rewards points?

Yes. Chase Ultimate Rewards points can be used to redeem cash back, travel gift cards, or shopping vouchers for Ink Business Cash credit card.

Is Chase Ink available for purchase without a business?

To be eligible for the Chase Ink Business Card, you must have a business. When you apply, your company tax ID number will be required. If you are a sole proprietor or freelancer, your Social Security Number can be used as your tax identification number.

What is the Ink Business Credit Card's reputation for being a good card?

If your spending patterns align with Ink Business Cash Credit Card's bonus categories, you might consider the Ink Business Cash Credit Card. You can get up to 5% cashback on qualified purchases. The APR may be too high so you should avoid keeping a balance.

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