Chase Ink Business Cash Credit Card Review
Key Takeaways
With no annual fee, a strong 75,000 point signup bonus after spending $6,000 in the first 6 months, and some of the best bonus categories offered on any business card, the Chase Ink Business Cash delivers tremendous value. Because of the Chase Ink No Fee Lifetime Rule, it can make sense to wait for an elevated offer, since you can only earn the welcome offer on either this card or the Ink Business Unlimited once between the two cards. The Ink Cash becomes especially valuable when paired with a Chase card that unlocks airline and hotel transfer partners, and like all Chase business cards, it does not add to your 5/24 count.
Why This Card Could Be Right For You
The Chase Ink Business Cash is ideal for business owners who spend heavily in a few common categories, especially when paired with one of the Chase cards that unlocks transfers to airline and hotel partners.
This card offers:
- 75,000 points after spending $6,000 in the first 3 months
- 5x points on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services
- 2x points on the first $25,000 spent annually at gas stations and restaurants
- 1x points on all other purchases
- Use the 5x category at office supply stores to purchase gift cards, creating easy opportunities to boost rewards on everyday spending
- Get 3 months of Instacart+ and up to $20 per month in Instacart credits
Although the card is technically marketed as “cash back,” the rewards can become Chase Ultimate Rewards points when moved to an eligible Chase card with transfer partner access. That is where the highest redemption value comes from.
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be a good fit:
- You’re holding out for a higher signup bonus
- The bonus categories don’t align with your business spending
- You don’t have a Chase card that unlocks Ultimate Rewards transfers to airline and hotel partners
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 transfer points to their partners (the most valuable way to redeem)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- 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” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- 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 is one of the two no-fee Ink Business cards you'll ultimately have to decide between because of bonus eligibility rules. You'll have to take into account several other factors while trying to strategize the best ways to earn the most Chase Ultimate Rewards points.
- Bonus category strategy: The Ink Cash offers category specific multipliers while the Ink Business Unlimited offers a flat 1.5% back on all purchases.
- Bonus eligibility rules: Because of the Chase Ink No Fee Lifetime Rule, you can only earn the bonus on one of the above cards. The welcome offers are identical as is the spend to earn them, so choose between which earning category suits your business needs best.
- Transfer partner access: Both cards technically earn cash back, but those rewards can become transferable Ultimate Rewards points when moved to a Sapphire Preferred, Sapphire Reserve, Sapphire Reserve Business, or Ink Business Preferred.
- 5/24 strategy: Like all Chase business cards, neither no-fee Ink card adds to your 5/24 status, making obtaining one an excellent way to continue building Chase points without affecting future personal card approvals.
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
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Historical Card Offers
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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
The signup bonus may not be available to you if you have ever had any Chase for Business card with no annual fee
Chase applications will be declined if 5 new cards have been added to 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
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
