Chase Ink Business Cash Credit Card Review
Key Takeaways
With no annual fee, a generous sign-up bonus, and strong category-based earn rates, the Chase Ink Business Cash is a no-brainer for anyone collecting Chase Ultimate Rewards. The regular offer is 75,000 points (or $750 cash back) after spending $6,000 in the first 6 months — but we’ve seen elevated offers of 90,000 points in the past, so it may be worth waiting. Plus, this card doesn’t count against your 5/24, making it perfect for anyone looking to build their Chase strategy without sacrificing personal card slots. If you have a side hustle or small business, this is one of the smartest ways to boost your Chase points.
Why This Card Could Be Right For You
The Chase Ink Business Cash card is ideal for anyone who wants high rewards on common business expenses — especially when paired with a Sapphire Reserve or Preferred for point transfers.
- Earn 75,000 points after spending $6,000 in the first 6 months (split: 35,000 after $3,000 in 3 months, then 40,000 more at $6,000 total in 6 months)
- 5% back (5x points) on the first $25,000 spent each year at office supply stores and on internet, cable, and phone services
- 2% back (2x points) on the first $25,000 spent each year at gas stations and restaurants
- 1% back on all other purchases
- Use 5x at office supply stores to buy gift cards to places like Amazon and Apple — an easy way to boost value on everyday spending
Although the card is marketed as “cash back,” the points you earn can be transferred to a Sapphire card, giving you access to Chase travel partners for outsized redemption value.
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you: You're holding out for a higher sign-up bonus (historically up to 90,000 points). Or the bonus categories don’t align with your business spending.
What to Know About Chase Ultimate Rewards
Chase Ultimate Rewards is our most valued point system.
- These points are the most flexible of any credit card points. You can book travel items directly through the Chase portal, including cruise, car rental, or speciality hotel. (Or transfer points to their partners).
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” (either 1.5x or 1.25x) on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
How The Chase Ink Business Cash Credit Card Fits In The Chase Ultimate Rewards Ecosystem
The Ink Business Cash card plays a key role in any Chase strategy, especially when paired with other Ultimate Rewards-earning cards.
- It earns “cash back” but really earns Ultimate Rewards points
- Points can’t be transferred directly to travel partners, but you can move them to a Sapphire Preferred or Reserve card
- Once transferred, you can redeem at up to 1.5x value or move them to Chase’s 1:1 travel partners
- It doesn’t count against your 5/24, so you can keep earning points without using up personal card slots
My Experience, No Filter
This was the first business card we applied for after getting into the hobby - and we almost didn’t go for it because we didn’t think we had a “real” business. But using a side hustle like selling items on Marketplace qualified us, and we were approved quickly. We got in during an elevated 90,000-point bonus and paired that with a 20,000-point referral bonus between spouses for a quick 110,000-point haul.
We then transferred those points to our Chase Sapphire Reserve card, instantly increasing their value and unlocking travel partner transfers. The Ink Business Cash became a cornerstone of our points strategy, helping us grow our Ultimate Rewards bank while staying under 5/24. It’s one of the smartest plays out there for small business owners.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 75,000 | $7,500 | 1.6 ¢ | $128 | $0 |
$1448
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Hyatt & airline transfers | 5X points at office supply stores & phone, internet & cable services | No CR , 5/24 , Chase 2/30 , Chase 4/6 |
Award System
Most Recent Special Offer
$6,000 spend ended Jan 2024
Spend Categories
5X points
8¢ Per Dollar Spent
2X points
3.2¢ Per Dollar Spent
3X points
4.8¢ Per Dollar Spent
5X points
8¢ Per Dollar Spent
2X points
3.2¢ Per Dollar Spent
5X points
8¢ Per Dollar Spent
5X points
8¢ Per Dollar Spent
Card Benefits
Using this card when renting for business gives you primary car rental insurance, and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Cardholder will be charged for services.
Your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
This card extends the time period of the U.S. manufacturer's warranty by 1 additional year, on eligible warranties of 3 years or less.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends No
Travel Partner Transfers
Chase Ultimate Rewards Outside Point System
Transfers Out To
1:1 88% value retained
1:1 69% value retained
1:1 63% value retained
1:1 81% value retained
1:1 75% value retained
1:1 38% value retained
1:1 81% value retained
1:1 44% value retained
1:1 81% value retained
1:1 81% value retained
1:1 81% value retained
1:1 88% value retained
1:1 106% value retained
Chase Ink Business Cash Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Ranking of Cards Offering Chase Ultimate Rewards
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database: