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The Ink Business Cash® Credit Card charges no annual fee and can be highly rewarding for those who make a lot of purchases for their business. It offers 5% cash back for charges at office supply stores and internet, phone, and and a generous welcome bonus rewards new cardholders with $750 cash back after spending $6,000 in the first three months. You can enjoy spending without worrying about paying interest for the first year. Then, your creditworthiness decides how much interest you pay. MoneyGeek's Ink Business Cash® Credit Card review examines the card's benefits, drawbacks and other features and helps you determine if the card fits your bill.

Card Details to Know Up Front
  • Bonus, Fee or Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

Ink Business Cash® Credit Card at a Glance

Ink Business Cash® Credit Card offers you 5% cash back at office supply stores and on phone, cable, and internet service charges up to $25,000 annually. The card also offers 2% cash back on purchases of up to $25,000 at gas stations and restaurants and 1% cash back on all other purchases. What's more rewarding is the absence of an annual fee and zero APR for the first year.

  • Ink Business Cash® Credit Card

    Fantastic card for earning rewards on office supplies

    • 1–5% Cash Back*Rewards Rate
    • $0Annual Fee
    • 18.24% – 24.24% VariableAPR
    • Good–ExcellentRecommended Credit

Pros & Cons Explained

The Ink Business Cash® Credit Card benefits are extensive if you can make them work for you, but there are some drawbacks.


  • Benefits
  • No annual fee
    Perhaps this is the most appealing for a lot of new customers. The rewards and bonuses the card offers are incredibly lucrative for a card with no annual fee.
  • New cardholder bonus
    The flat introductory cash back of $750 is quite generous for new cardholders. You can get this bonus after spending $6,000 in the first three months.
  • High rewards for selected categories
    Ink Business Cash® Credit Card offers you 5% cash back on your annual business purchases at office supply stores and internet, phone and cable services up to $25,000. There's also a 2% cash back on purchases of up to $25,000 at gas stations and restaurants and a 1% cash back on all other purchases. For a credit card with no annual fee, the category bonuses are rewarding.
  • 0% introductory APR
    All the purchases you make during the first 12 months of card ownership come with no APR. This means even if you have revolving credit, you will be exempt from paying interest during the first year of use. This is applicable only if you pay the minimum amount due by the due date. From the 13th month onwards, a variable APR of 18.24% – 24.24% is applicable as per your creditworthiness.


  • Drawbacks
  • Foreign transaction fee
    A default 3% charge on foreign transactions can make it quite expensive for business purchases while on a foreign trip.
  • High APR for cash advances and balance transfers
    Balance transfer interest rates depend on your creditworthiness but can be anywhere between 18.24% – 24.24%. If you take out a cash advance and don’t pay it back in full, you will be charged a high interest rate of 29.99%.
  • Spending cap on cash back categories
    The spending cap for 5% cash back and 2% cash back categories is set to $25,000. Any expenses beyond this limit will only earn you 1% cash back, which is also the rewards rate for outside bonus categories.
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According to MoneyGeek’s analysis, the Ink Business Cash® Credit Card is the best in multiple card categories. It has been named among the best rewards credit cards of 2022, best business credit cards of 2022 and best cash back credit cards of 2022. You can compare this card to the other cards in these lists and find the one that best suits you.

Bonuses & Rewards Explained

Besides the aforementioned rewards, Chase’s Ink Business Cash card comes with other impressive benefits and features.


Free employee cards

You can have multiple employee cards on your account for free and set individual spending limits on them. This can help you earn rewards faster.


Earning rewards

For every purchase made, the card guarantees you a minimum cash back of 1%. It also offers 5% cash back on purchases made at office supply stores and phone, cable, and internet services. Additionally, for spending at U.S. gas stations and restaurants, the cash back rate is set to 2% on the first $25,000 spent on each account anniversary year.


Flexible rewards redemption

Cash back rewards are tracked in the form of points, with each $1 gained equaling 100 points. You may redeem your points for cash, gift cards or travel. You can also use the points to pay for products or services offered by the Ultimate Rewards program or directly through third-party merchants. The redemption values for different reward options may differ. As long as your account is active, your points will not expire.


Referral bonus

When you refer business owners, you may earn up to 100,000 points per year, with 20,000 points awarded for each business that is accepted for the card.

Other Features Explained

Besides the generous rewards and benefits, you may also love the following features of the Ink Business Cash® Credit Card:

  • Card Feature
  • 24/7 access to account details
    The company gives 24/7 access to data pertaining to your Ink Business Cash credit card, its quarterly reports, up to 24 months of statement details and more.
  • Account alerts
    You can sign up to receive timely alerts on the payment due dates or suspicious transactions in the form of SMS, email or push notifications.
  • Auto rental insurance
    By declining a rental company's insurance, you can charge the business car rental cost to your card. You'll be covered for theft and collision damages of up to the car's actual cash value.
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"This is a great card for strategically amassing a lot of rewards points. You can earn 5X bonus points on gift cards that you buy from office supply stores, which you can use on business expenses you make at popular retailers." - Alene Laney, Credit Card Journalist

Understanding the Fine Print

Aside from knowing your rights as a credit card user, knowing the Ink Business Cash® Credit Card's benefits, fees and interest rates may help you decide whether the card is suitable for you.

The table below displays the fees, interest rates, rewards rates and other data associated with the Chase Ink Business Cash Credit Card.

  • Card Feature
    Amount or Rate
  • APR
    18.24% – 24.24% Variable
  • Annual Fee
  • Cash Back Rewards
  • Rewards Rate
    1–5% Cash Back*
  • Airline Benefits

To understand the general credit card terms, you can refer to MoneyGeek's credit card glossary.

  • fairCredit icon

    Regular APR

    The Ink Business Cash® Credit Card charges a very high purchase and balance APR ranging from 18.24% – 24.24% based on your creditworthiness. There’s also a higher rate of 29.99% for cash advances. These APRs vary according to the market’s prime rate.

  • rotating icon

    Introductory APR

    For new cardholders, the APR isn’t applicable for the first 12 months as long as you pay the minimum amount due before the due date. Failure to make minimum payments can result in the bank applying the default APR of up to 29.99% to your credit.

  • annualFee icon

    Annual Fee

    No annual membership fee is charged for this card.

  • balanceTransfer icon

    Balance Transfer and Aash Advance Fee

    While the APR only applies to balance transfers and cash advances if the balance is not paid in full, there is a fee for each of these transactions. For each balance transfer, the fee is $5 or 5% of the amount transferred, whichever is greater. It is either $15 or 5% of the transaction amount in the case of cash advances. To avoid paying more transaction fees, limit your balance transfers to less than $100 and cash advances to less than $300 at a time.

  • noForeignTransactionFee icon

    Foreign Transaction Fee

    All foreign transactions using the card will be subject to a 3% surcharge.

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When evaluating credit cards, it's critical to review the annual fee, APR, bonuses and rewards. Additionally, if you're comparing the Ink Business Cash® Credit Card with another card you have, your recent credit card monthly statements or the credit card company's website or mobile app can give additional information. Alternatively, you can find these details in the Consumer Financial Protection Bureau's credit card agreement database (CFPB).

Who Should & Shouldn’t Consider Ink Business Cash® Credit Card?


Other Considerations for Ink Business Cash® Credit Card

When applying for a credit card, it is imperative to know its features, terms and conditions and benefits and drawbacks. Before applying for the Ink Business Cash® Credit Card, keep the following points in mind.

Things to Consider if This Will Be Your First or Only Credit Card

If this is your first or only credit card, you'll be relieved to know that there is no annual fee on this card. Your first year remains interest-free as long as you pay the minimum amount due on time. After this introductory period, if you keep a balance, the high APR can make a hole in your wallet. You must aim to pay off the balance before the billing cycle's due date to avoid paying interest.

Always spend in areas where the card can be extremely beneficial. Align your business expenses with the card's cash back reward categories. Use the card mainly to pay off your business's phone, internet and cable service bills. This is where you earn the maximum cash back. If you don't utilize it for business transactions, attempt to make the most of it at gas stations and restaurants. If your transactions do not fall into one of the card's bonus categories, it is advisable to choose a card with a lower APR and unlimited cash back.

Things to Consider if This Will Be an Additional Card in Your Wallet

The Ink Business Cash® Credit Card is highly likely to be beneficial as an additional card in your wallet due to its excellent cash back incentives and no annual fee. Besides, you can take advantage of its 12-month interest-free period by merely paying the minimum amount required.

Consider this card for bigger business expenses if your other cards have an annual fee. You can pay off the minimum amount required and carry the balance over to the next month without incurring interest. The more business expenses charged to this card, the more cash back you will receive. Earned points can be exchanged for cash deposits into a U.S. bank or savings account. Even if you make eligible purchases for up to $25,000, you can earn a cash back of $1,250 on it, which will be more lucrative than most cards without an annual fee. For the rest of your expenditures, consider pairing it with a card that offers a minimum of 1% cash back or more on all purchases, without a spending limit.

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MoneyGeek conducts an in-depth study on credit cards and companies using a comprehensive rating methodology. Gathering data from the Consumer Financial Protection Bureau's database, standardizing data points for card comparison, estimating average expenditure profiles, factoring annual and introductory incentives of each card and determining the three-year worth of keeping the card are all part of the process. The method also includes monthly re-ranking of the cards and semi-annual updates of the card list.

How Ink Business Cash® Credit Card Compares to Other Cards

The Ink Business Cash® Credit Card stood up well with most other small business cards due to its high cash back rewards in specific categories and no annual fee. However, comparing it to other cards can help you solidify exactly what you are looking for in a credit card.

In-Depth Credit Card Comparisons:
Quick Comparison of Ink Business Cash® Credit Card

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Ink Business Cash® Credit Card

  • Annual Fee: None
  • Regular APR: 18.24% – 24.24% variable
  • Rewards Rate: 1%-5%
  • International Transaction Fee: 3%
  • Best For: Best for small business owners who spend a significant amount on office supplies.
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Capital One Spark Cash Plus

  • Annual Fee: $0 for first year, $95 after that
  • Regular APR: No APR (charge card)
  • Rewards Rate: 2%
  • International Transaction Fee: None
  • Best For: Good for small business owners who look for unlimited cash backs regardless of an annual fee.

Other Helpful Decision-Making Q&As

After reading this review, if you still have questions about the Ink Business Cash® Credit Card, have a look at the following answers.

Still not sure about this card? Consider these options.

If you're still on the fence about getting the Ink Business Cash® Credit Card, look into some of the other cards that let you earn big rewards. If you don't want a cash back card, you can benefit from a balance transfer card or rewards card with no annual fee.

Learn more about credit cards in general

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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