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The Chase Ink Business Cash® rewards consumers more for certain types of spending. This means that, for the most part, small business owners will benefit the most from this card if they spend a considerable amount of money in its bonus categories.
When you sign up for the Ink Business Cash® from Chase, you can earn cash back rewards at the following rates:
5% cash back on up to $25,000 in combined spending at office supply stores, and on internet, cable and phone services each year (then 1% cash back)
2% cash back on up to $25,000 in combined spending at restaurants and gas stations each year (then 1% cash back)
1% cash back on other purchases
5% cash back on Lyft rides through March 2025*
The Chase Ink Business Cash® also offers a tiered sign-up bonus that is considerably easier to earn compared to bonuses on similar cards. Essentially, new applicants can earn up to $750 in bonus cash in the first six months — $350 after spending $3,000 on purchases within three months of account opening and another $400 after spending $6,000 on purchases within six months of account opening.
While bonus rewards rates on the Chase Ink Business Cash® are exceptional, this card's biggest downside is the fact it earns just 1% cash back on regular, non-bonus purchases. Not only that, but its two major bonus rewards categories only apply to the first $25,000 in spending each year, after which the regular rate of 1% cash back applies.
Expert intel: Wondering how much you can earn in rewards with the Chase Ink Business Cash®? Imagine your small business spends $1,500 per month at office supply stores and on internet, cable and phone services each year, plus an average of $1,500 per month at gas stations and restaurants. Let's also say your company charges an average of $2,000 in miscellaneous purchases on the card each month.
In that case, you could earn:
$900 in cash back in the card's 5% cash back category annually
$360 in cash back in the card's 2% cash back category annually
$240 cash back on miscellaneous purchases annually
That's a total of $1,500 in cash back, and that's on top of the $750 in bonus cash you can earn in the first six months after account opening. In this example, total earnings for year one as a cardholder come out to $2,250 in cash back.
While Chase is known for its popular travel credit cards, including cards for business, the Chase Ink Business Cash® is one of its cash back credit cards. However, Chase still lets cardholders with its branded cards redeem rewards for travel if they prefer. Not only can cardholders redeem for statement credits to cover travel purchases, but they can use their rewards to book travel through the Chase Travel portal.
The chart below shows the main redemption options available with this card, plus their average redemption values.
| Redemption option | Rewards value (per point) |
|---|---|
Check in the mail | 1 cent per point |
Statement credit | 1 cent per point |
Gift cards | 1 cent per point |
Purchases through Amazon.com or PayPal | 0.8 cents per point |
Other merchandise | Varies |
Travel bookings through Chase | 1 cent per point |
Expert intel: Because the Chase Ink Business Cash® gives out the most rewards in its bonus categories, many small business owners pair it with other rewards credit cards from Chase. Some pair it with the Chase Ink Business Unlimited® so they can earn an unlimited 1.5% cash back on all purchases that don't earn bonus rewards with the Chase Ink Business Cash®. Others pair it with the Chase Ink Business Preferred®, which lets them pool all their rewards in one account for premium travel redemptions like 1:1 point transfers to Chase airline and hotel partners.
The sections below highlight the core reasons for our ratings in each review category.
The Chase Ink Business Cash® can be an affordable credit card for business since it has a $0 annual fee and offers free employee cards. However, cardholders pay a high variable APR after the introductory APR offer ends. The Chase Ink Business Cash® also charges 3% in foreign transaction fees for purchases abroad, which makes it a poor card option for international travel.
We gave the Chase Ink Business Cash® the highest possible rating in this category due to its robust perks and features, especially considering its $0 annual fee. Not only does this card offer purchase protection against damage or theft, but it has extended warranties and roadside assistance. The Chase Ink Business Cash® also offers primary auto rental coverage in instances where the cardholder rents a car for business purposes.
Chase gets high marks for security overall due to its use of enhanced encryption and security features like 24/7 fraud monitoring and multi-factor authentication. The Chase mobile app also offers biometric authentication to enhance security even more. Cardholders with the Chase Ink Business Cash® also get $0 fraud liability coverage that protects against fraudulent charges placed on an account.
Chase offers customers an online account management dashboard that's both intuitive and easy to use. Customers can use the dashboard to monitor their spending, pay their bill, manage their cash back or rewards points and get a bird's eye view of all other Chase accounts they have. The Chase mobile app is also highly rated and popular with consumers considering its 4.4 out of 5 rating on Google Play and 4.8 rating out of 5 stars in the App Store.
Chase has also earned some accolades from third party ranking agencies. For example, the bank earned the 4th spot in J.D. Power's 2024 U.S. Credit Card Satisfaction Study with 619 out of 1,000 points. This puts them behind three other card issuers, including American Express (634), Discover (629) and Capital One (620).
Chase is known for offering excellent customer service, both over the phone and via secure messages and its social media accounts. The card issuer makes it easy for customers to inquire about their card's terms and conditions, or whether they can upgrade or downgrade to another card product.
The bank even scored second for customer satisfaction (behind American Express) in J.D. Power's 2024 U.S. Retail Banking Satisfaction Study. However, Chase took a hit in this category based on recent government actions taken due to its business practices, as reported by the Better Business Bureau (BBB).
Chase offers 24/7 customer service over the phone and via its other contact methods. Response times tend to be fast, especially during regular business hours.
The best way to reach Chase is through its customer service number (1-800-432-3117) or its social media channels (tweet Chase at @ChaseSupport or message them on Facebook or Instagram.) Customers can also send secure messages through their online account dashboard.
When we reached out to Chase via these methods, the following happened:
A Chase representative joined our phone call within a few minutes of us initiating the call.
We received an almost instant response when we reached out to Chase via social media, although we did wait several minutes after that to chat with a representative.
While the Chase Ink Business Cash® is an attractive card option for small businesses due to its cash back rewards and $0 annual fee, most users seem to pair it with other cards to earn more rewards over time.
For example, credit card rewards expert Julian Kheel of Points Path says the card is a "no-brainer" if your business spends a lot on office supplies each year due to the 5% cash back you earn on up to $25,000 in annual spending.
"That cash back can then be combined with the rewards from other Chase cards and used for travel at a better redemption rate," he said.
Also remember businesses can buy more than office furniture, computers and printer paper at office supply stores. For example, rewards expert Aaron Hurd of Cards and Points says his business spends very little at office supply stores, but that he maximizes the benefit on this card by purchasing gift cards at these types of stores.
"If an office supply store carries gift cards for a place I normally shop, I can effectively expand the office supply category of the Ink Cash to that specific merchant," he said.
| Chase Ink Business Cash® | Chase Ink Business Unlimited® | |
|---|---|---|
Annual fee | $0 | $0 |
Base rewards | 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each (then 1% back) 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year (then 1% back) 1% cash back on other purchases 5% cash back on Lyft rides through March 2025 | 1.5% cash back on all purchases 5% cash back on Lyft rides through March 2025 |
APR | 0% APR on purchases for 12 months, followed by a variable APR of 17.49% to 25.49% | 0% APR on purchases for 12 months, followed by a variable APR of 17.49% to 23.49% |
Sign-on bonus | $750 bonus cash back — $350 when you spend $3,000 in purchases in the first three months and another $400 when you spend $6,000 on purchases in the first three months of account opening | $750 bonus cash back when you spend $6,000 on purchases within three months of account opening |
While the Chase Ink Business Cash® has a $0 annual fee and offers lucrative rewards in categories many businesses spend in, it doesn't make sense for everyone. If a small business owner rarely spends money at office supply stores, or spends very little on cable, internet and phone services throughout the year, they would probably be better off with a different card.
The Chase Ink Business Unlimited® is an alternative to consider since it skips bonus categories and offers a flat 1.5% cash back on all types of spending with no annual fee. This card doesn't have any rewards caps either, so you can earn the higher cash back rate on all business purchases throughout the year.
Also note that both cards have similar benefits including an intro APR for purchases, free employee cards and a handful of travel and purchase protections. Even so, many rewards enthusiasts opt to get both of these cards to earn more cash back for their business over time. After all, having both cards lets users maximize rewards in bonus categories with the Chase Ink Business Cash® then switch to the Chase Ink Business Unlimited® to earn a minimum of 1.5% cash back on other purchases.
This comprehensive overview of the Chase Ink Business Cash® was created using our own credit card methodology. This methodology considers factors consumers and small business owners care about when selecting card products, including rates and fees, cardholder perks and features, security features, user experience and the quality of customer service.
Because the Chase Ink Business Cash® offers cash back rewards, we also assessed the value and flexibility of its rewards program. Our process also included interviews with current customers of the card who use it for regular business spending and benefit from its rewards program.
The Chase Ink Business Cash® can absolutely be worth it if you're a small business owner or entrepreneur who spends significant sums of money in its bonus categories. If you spend very little at office supply stores, and on internet, cable and phone services each year, you may be better off with a different cash back credit card.
This card can also make sense for businesses that spend a lot at restaurants and gas stations each year. Then again, it's important to remember that all regular purchases charged to the Chase Ink Business Cash® earn a lower rate of just 1% cash back.
At the end of the day, consumers should compare all the best business credit cards on the market before making a decision. That way, they can end up with the card that makes the most sense for how their business spends.
Does the Chase Ink Business Cash® Charge Foreign Transaction Fees?
The Chase Ink Business Cash® charges 3% in foreign transaction fees when you use it for purchases outside the United States.
Does the Chase Ink Business Cash® Earn Ultimate Rewards?
The Chase Ink Business Cash® technically earns rewards in the Chase Ultimate Rewards program, but the rewards can only be redeemed for certain options. Specifically, rewards earned with the Chase Ink Business Cash® cannot be transferred to Chase airline and hotel partners unless they're pooled in a Chase travel card account first.
Is the Chase Ink Business Cash® Hard to Get?
Chase refrains from listing minimum requirements for its credit cards. Anecdotal evidence shows business owners need to have good credit or better (FICO score of 700+) to qualify, plus regular business income they can use to cover their bill.
