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Chase Ink Business Cash

Chase Ink Business Cash
Our Take:

This card offers exponential cash back rewards on business spending and 0% APR on balance transfers and introductory purchases during the first 12 months. This makes it a great card for paying down a big credit balance or making capital expenditures that can propel your business into the next level of success. Skip to our full review

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  • Highlights
    • Get 5% cash back on your first $25,000 spent in total purchases on cable, internet and phone services and at office supply stores each account anniversary year
    • Get 2% cash back on your first $25,000 spent in combined purchases at restaurants and gas stations each account anniversary year
    • Get an unlimited 1% cash back on every other purchase
  • Intro APR
    0% Fixed for the first 12 months
  • Regular APR
    15.24% - 21.24% Variable
  • Credit level
    Excellent and Good Credit
  • BusinessBusiness
Fees
  • Annual Fee
    None
  • Balance Transfer Fee
    Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance Fee
    Either $15 or 5% of the amount of each transaction, whichever is greater
  • Foreign Transaction Fee
    3% of each transaction in U.S. dollars
Chase Ink Business Cash Review

There are clear benefits to using the Chase Ink Business Cash credit card. It’s the cash back card many business owners have been dreaming of, with offers of higher than average cash back rewards in easily spendable categories. It also has the potential for bonuses and intro offers that make it good for one-time capital expenditures or balance transfers in year one.

So what’s the catch? Well, there are some potential drawbacks. The Chase Ink Business Cash may be less useful for businesses that don’t prioritize telecom utilities as a credit expenditure or don’t shop for office supplies with any frequency. It also has a cap on bonus cash back. That means once the spending threshold is met, rewards diminish greatly in value.

For these reasons, some business owners with excellent credit may be enticed by more rewarding credit card offers. However, Chase Ink Business Cash is a well-rounded business credit card for making large purchases, transferring balances or just for everyday spending. If you’re a business owner looking for a credit card that meets your basic needs and offers some rewards, the Ink Business Cash card by Chase is a solid option.

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Editorial Note:

This content is not provided by Chase Bank. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase Bank.