'ZDNET Recommends': What exactly does it mean?
ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing.
When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Neither ZDNET nor the author are compensated for these independent reviews. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers.
ZDNET's editorial team writes on behalf of you, our reader. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. If we have made an error or published misleading information, we will correct or clarify the article. If you see inaccuracies in our content, please report the mistake via this form.
Ad Disclosure
This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com This compensation may impact how and where links appear. This site does not include all financial companies or all available financial offers.
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.
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.
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:
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.
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.
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.
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.
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.