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The Ink Business Cash® Credit Card is one of the top business cash-back credit cards, and right now it has a new welcome bonus offer (see rates and fees). When you're approved for the card, you can earn $750 when you spend $6,000 on purchases in the first three months after account opening.
You get that with a $0 annual fee business credit card.
Below, CNBC Select shares the details on this card's welcome bonus, rewards and fees.
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Welcome bonus
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Benefits and perks
The Ink Business Cash Credit Card is a great option for financing business purchases. New card members receive a 0% Intro APR for 12 months on purchases (then 16.74% - 24.74%).
This card also comes with insurance protections that automatically apply to eligible purchases. The built-in coverage includes:
- Extended warranty protection
- Purchase protection
- Rental car collision coverage
- Roadside dispatch
- Travel and emergency assistance services
You can add employee cards to this account for no additional fee.
How to earn and use Ink Business Cash rewards
Earning
The Ink Business Cash Credit Card earns cash back at the following rates:
- 5% back on the first $25,000 in combined purchases each card anniversary year at office supply stores and on internet, cable and phone services
- 2% back on the first $25,000 in combined purchases each card anniversary year on dining and gas
- 5% back on Lyft rides (through September 2027)
- 1% back on all other purchases
Redeeming
You can redeem the cash back you earn with this card in a variety of ways, but most options provide the same value of one cent per point. You can use your rewards for:
- Cash back (statement credit, direct deposit)
- Travel
- Gift cards
You can link your Ink Business Cash Credit Card with Amazon and use your rewards for Amazon purchases, but you'll get a value of less than one cent per point. So it's better to make the purchase with the card and then redeem the rewards you earn for a statement credit.
Because this card earns cash back in the form of Chase Ultimate Rewards® points, you can boost the value of your points if you pair this card with another Chase credit card that enables transfers, such as the Chase Sapphire Preferred® Card (see rates and fees) or Ink Business Preferred® Credit Card (see rates and fees). Being able to transfer points to Chase's 14 travel partners gives you the opportunity to save a huge amount of money on travel. For example, you could book a round-trip business-class flight with Iberia from several U.S. cities to Europe using just the bonus you can earn from the card.
Rates and fees
The Ink Business Cash Credit Card has a $0 annual fee. Its foreign transaction fee is 3% and there is a $40 for both late and returned payments. The introductory APR is 0% for 12 months on purchases and after that, it is 16.74% - 24.74% variable APR. The balance transfer APR is 16.74% - 24.74% variable and there is a balance transfer fee of $5 or 5%, whichever is greater.
Alternatives to the Ink Business Cash Credit Card
Ink Business Cash Credit Card vs. The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is an ideal fit for a growing business because it offers an intro APR for purchases and a generous cash-back rate.
- Valuable intro-APR offer for purchases for 12 months
- No annual fee
- Additional cash back is capped
- It has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
- See Rates & Fees
Balance transfer fee
Refer to Terms and Conditions
Foreign transaction fee
2.7% of each transaction after conversion to US dollars.
For small business owners who prefer earning cash back, but don't spend much at office supply stores or on telecommunications services, The American Express Blue Business Cash™ Card could be a better choice. It has a $0 annual fee and an introductory 0%-APR offer on purchases for the first 12 months from account opening (then a variable 16.74% - 28.49% applies; APRs will not exceed 29.99%, see rates and fees).
If you won't take advantage of the Ink Business Cash Credit Card's 5%-back spending category on the first $25,000, then you'll likely get more value from this card. You'll earn 2% back on the first $50,000 in purchases per calendar year, then 1% back.
Ink Business Cash Credit Card vs. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
The Ink Business Unlimited® Credit Card (see rates and fees) is a sister card to the Ink Business Cash. It has a $0 annual fee, an introductory 0% APR offer for the first 12 months from account opening on purchases (then 16.74% - 24.74% variable APR). How the two cards earn cash back is where the big difference lies. The Ink Business Unlimited card earns a flat 1.5% back on every purchase, meaning it earns 50% more cash back on expenses that fall outside the Ink Business Cash card's bonus spending categories. This makes the Ink Business Unlimited a great complimentary card to the Ink Business Cash or a great stand-alone option for businesses with a large amount of credit card spending.
Is the Ink Business Cash Credit Card right for you?
The Ink Business Cash Credit Card is a great option for businesses that spend a lot of money at office supply stores or on telecommunications services. It has the simplicity of a cash-back card and it pairs well with other Chase travel credit cards. However, depending on your business's spending patterns, there could be better options. You may want a card that's more rewarding for different types of spending, such as advertising or shipping. The Ink Business Cash's bonus spending categories are also limited, so if you spend a lot on your business card every year, choosing one with unlimited bonus cash back might be more rewarding.
Bottom line
The Ink Business Cash Credit Card has a welcome offer of $750 when you spend $6,000 on purchases in the first three months after account opening, which is exceptional when you consider that this is a $0-annual-fee credit card.
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every business card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit cards.
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Read more
For rates and fees for The American Express Blue Business Cash Card, click here.
