Chase Ink Business Cash Credit Card

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.

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.