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Ink Business Cash Credit Card – Full Review [2023]

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Jarrod West

Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon

Stella Shon

Compliance Editor & Content Contributor

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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(at Chase's secure site)

Great Card If

  • Your business spend falls within the bonus categories
  • You want a card that earns flexible rewards
  • You want a card that keeps you covered with travel insurance and purchase protection
  • You want a card with no annual fee

Don’t Get If

  • You want a credit card that earns travel rewards, benefits, and perks
  • Your business spend primarily falls outside of the bonus categories

Ink Business Cash Card — Is It Worth It?

The Ink Business Cash card is well worth it for small business owners with expenses that fall within the 5% and 2% back categories. Keep in mind, though, that these returns are capped at $25,000 in combined purchases for each category. So if your business expenses are much larger, you may want to consider supplementing the Ink Business Cash card with additional rewards cards to further maximize your rewards.

However, if your business spend needs meet the $25,000 threshold for the 5% category, you could be earning, at minimum, $1,250 in cash-back each and every year, all from a card with no annual fee!

Ink Business Cash Top Benefits

No-Cost Employee Cards

If you have multiple employees, it can be a major hassle to have to pass 1 company card back and forth. Fortunately, the Ink Business Cash card allows you to add as many employee cards as you’d like, for no added cost.

Travel and Purchase Coverage

The Ink Business Cash card keeps your purchases covered with the following protections:

  • Purchase Protection: When you purchase an item with your card, it is covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Coverage: Items that you purchase with your card, with warranties of 3 years or less, are extended by an additional year.
  • Rental Car Insurance: Secondary coverage that keeps you covered in the case of theft or damage to your rental car.

Best Ways To Earn and Redeem Your Chase Points

When you earn cash-back with your Ink Business Cash card, it comes in the form of Chase Ultimate Rewards points. But you should know that using your card isn’t the only way to earn lots of Chase Ultimate Rewards points!

You might think, since the Ink Business Cash is traditionally a cash-back card, that redeeming for cash-back is your only option — but that isn’t true!

In fact, if you pair your Ink Business Cash card with a card that has access to Chase transfer partners, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card, you’ll find that there are so many great ways to redeem your Chase Ultimate Rewards points for huge travel value!

Alternative to the Ink Business Cash Card

American Express Blue Business Cash™ Card

The Amex Blue Business Cash card offers 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash-back earned is automatically credited to your statement.

We’ve compared the Ink Business Cash card to some other popular cards:

For rates and fees of The American Express Blue Business Cash™ Card, click here.

Frequently Asked Questions

We think that the card is good for anyone spending less than $25,000 per year on your card, and anyone who will utilize the other Chase cards to optimize their reward points.

Having a business line of credit is very beneficial to you, especially when starting up. When you’re in a pinch, a business cash advance also goes a long way.

To fully use the card to its potential, you could also get the Chase Sapphire Preferred card or Ink Business Preferred card.

Yes, technically the card is marketed as a cash-back card. You will earn 1% to 5% cash-back rewards on your purchases depending on the categories, which is usable as a statement credit:

  • Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash-back on all other card purchases with no limit to the amount you can earn

However, in practice, it works as a points card. The cash-back accumulates in Chase Ultimate Rewards as points. From there, you can spend the reward points in the online shopping portals to earn rewards or transfer them to another Chase card account.

While they are both cash-back cards, the main difference is where bonuses are offered. While the Freedom Flex card offers rotating 5% categories each quarter, the Ink Business Cash card allows you to earn 5% in select categories year-round.

The Freedom Flex card also limits your bonus earnings to the first $1,500 of each quarter’s categories, while the Ink Business Cash card allows you to get 5% all year in the same categories on up to $25,000.

After hitting either card’s limits, you will earn 1% cash-back going forward.

Finally, for Ink Business Cash cardholders, Chase offers free cards for employees, as well as tools to help manage and track your spending. You can add 1 authorized user on your Freedom Flex card.

Yes! You can transfer your cash-back in the Ultimate Rewards portal in order to utilize the Chase rewards available. Simply log in to your account, click on Ultimate Rewards, and you will see your points balance on the account.

No. In order to get the travel rewards that Chase offers, you must have the Chase Sapphire Preferred Card, Chase Sapphire Reserve card, or Ink Business Preferred card.

With these, you are able to transfer the points you earn on any Chase Ultimate Rewards card to unlock the travel benefits.

There is a 3% foreign transaction fee.

The login for is the same as other cards; use your Chase login.

There is no annual fee for the card.

First, you have the cash-back categories. Earn between 1% to 5% cash-back rewards in selected categories all year round on up to $25,000 in total spending in each of the different tiers (both 5% and 2%).

This cash-back is usable as a statement credit or in the Chase Ultimate Rewards portal.

Next, because it is a business credit card, Chase offers employees free cards. It also offers business apps and tools to help manage and track your spending.

Finally, the card offers a variety of insurances, including purchase, auto rental, and extended warranties.

Finding the best credit card for your small business depends on what you are looking for. The highest reward rate? An intro APR? Check out our article on the best credit cards for small businesses.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.



April 26, 2019

You mention purchasing gift cards at office supply stores with your business credit card. How do you account for that during tax season? Is the purchase of the gift card (e.g. $100 Amazon) tax deductible? If not, how do you justify the purchase being on your credit card statement? Also, some cards have an activation fee (e.g. Visa gift cards). how do you account for the extra fee? Great blog by the way. Looking forward to your response!

Christine Krzyszton

April 26, 2019

Hi Adam. I’m sure Jarrod, the author of this piece, will have his own take on using the Ink Business Cash for purchasing gift cards at office supply stores but I can share how I use them. I purchase gift cards at office supply stores to use for business expenses I plan to deduct. For example, I may purchase a Delta gift card then subsequently use the card to purchase a plane ticket. I deduct the cost of the plane ticket and make note on the gift card purchase of what expense it paid. Also, I purchase Visa gift cards to pay for business expenses that I would not normally earn 5% back on such as insurance, repairs, or other merchandise. Legitimate expenses and deductions. I try to buy Visa gift cards when they are on sale fee-free. As far as deducting the fees, I do not.

Jarrod West

April 26, 2019

Hi Adam,

As Christine mentioned, the purchase of a gift card may not qualify as a tax deduction, but what you use the gift card to purchase could qualify. Christine’s example of purchasing a Delta gift card to earn the 5x Ultimate Reward points and subsequently using that Delta gift card for her next Delta flight, is a perfect example of how to do this effectively!

Thanks for your question and thanks for reading!

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