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Chase Ink Business Cash card review: Big cashback rewards and perks

The Chase Ink Business Cash is a cashback credit card that rewards for your business spending, but the best rewards are only available for select spending categories
Written by Erin Gobler, Contributor
Reviewed by Evan Zimmer
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
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When you're looking for the perfect credit card for your business, you want one that will reward you for your existing spending while providing other perks to help make your business and life easier. And for some business owners, the Chase Ink Business Cash Credit Card will be the perfect fit.

The Chase Ink Business Cash is one of a handful of Chase credit cards available to reward you for your business spending. This card focuses on big rewards in a few select spending categories, so it could be right for you if you spend in the right categories.

Wondering whether the Chase Ink Business card is right for you? In this review, we're breaking down all of the card's biggest perks, how you can use your rewards, and a few downsides to consider.

card highlights
intro bonusEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
APR18.49% - 24.49% Variable
recommended creditGood, Excellent
reward rates
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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
annual fee$0
intro purchase APR0% Intro APR on Purchases for 12 months

The Chase Ink Business Cash cashback credit card comes with several different ways to earn rewards. First, you'll earn 5% cashback on the first $25,000 of spending at office supply stores, internet, cable, and phone services. You'll also earn 2% cashback on the first $25,000 of purchases at gas stations and restaurants. Finally, you'll earn 1% cashback on all of your other purchases. 

There are several ways to redeem your Chase Ink Business Cash reward points. First, you can simply get cashback for your points to apply either as a statement credit toward your balance or to deposit directly into your checking or savings account. You can also redeem your rewards for business travel through Chase Ultimate Rewards at the Apple Ultimate Rewards store or for gift cards at more than 150 of your favorite stores, hotels, and more.


  • High rewards in certain spending categories
  • Generous new cardmember bonus
  • No annual fee
  • Pairs with Chase Ultimate Rewards cards


  • The annual cap on rewards for bonus categories
  • Low rewards on non-bonus spending categories
  • Foreign transaction fees
Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Go to Chase to learn more.

Does the Chase Ink Business Cash card offer any other perks?

The cashback is the main attraction with this Chase card, but it's certainly not the only benefit. The Ink Business Cash card comes with several perks, including:

  • Rental car coverage: You can pay with your Ink Business Cash and get full rental coverage when you rent a car for business purposes. You'll get reimbursement up to the cash value of the vehicle in cases of theft or collisions.
  • Travel and emergency assistance services: If you run into problems when you're on the road, you can get coverage for legal and medical assistance, as well as other forms of help.
  • Roadside dispatch: Anytime you experience a roadside emergency, Chase will help connect you with the help you need, whether it be a battery jump, tow services, lockout service, and more.
  • Purchase protection: Chase will cover your new purchases for 120 days and up to $10,000 per claim in cases of damage and theft.
  • Extended warranty protection: Chase will extend your manufacturer's warranties by an additional year.
  • Free employee cards: You can get employee cards at no additional cost when you sign up for the Ink Business Cash. You can set spending limits for each card, and the spending on those cards helps you earn even more rewards.
  • Business management: Chase offers plenty of other benefits for your business, including the ability to manage your cash flow, build your business credit, separate your business and personal expenses, and view your business insights.

What is the credit limit on the Chase Ink Business Cash card?

Credit limits for the Ink Business Cash card start at $3,000 and go up to $25,000 by default. You can also request a credit line larger than $25,000, but you'll go through a more detailed approval process.

The bottom line

Chase is a leader in credit cards, and business credit cards are no exception. The Chase Ink Business Cash card is an excellent rewards card that offers high rewards in a few specific categories and smaller rewards in other categories. It also comes with a generous introductory APR on purchases and no annual fee, which helps to sweeten the deal. 

If you're on the fence about this card, consider what categories you tend to do the most business spending in and make sure the card's rewards align with your spending.

Is the Chase Ink Business Cash card right for you?

Because the Ink Business Cash rewards cardholders for spending in very specific categories, this card is perfect for those who spend a lot in those bonus categories. First, this card is best for businesses that spend a lot at office supply stores or on internet, cable, and phone services. It's also likely a good fit if you spend a lot at gas stations and restaurants.

If your spending doesn't fall into those categories or it's evenly distributed across many different categories, then you may want to consider a card with more general cashback rewards.

This card is also a great option for people with an existing Chase Ultimate rewards card such as the Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve. Even if your other Chase card is for personal spending, you can transfer the rewards and get even more value for them.

Is the Chase Ink Business Cash card worth it?

The Ink Business Cash card is definitely worth it if you spend a lot in the bonus categories. If you spend a lot at office supply stores, communications, gas stations, or restaurants, then you can earn excellent cashback. But if you don't spend much in those categories, there are likely other cards that will be a better fit.

Are there alternatives to the Chase Ink Business Cash card?

Chase has several other business credit cards that could also be a good fit for your business. If the perks of the Ink Business Cash don't align with your business spending, then you can also consider the Ink Business Unlimited and Ink Business Preferred credit cards.

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