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Ink Business Cash℠ Credit Card review

An excellent business credit card with $0 annual fee, an attractive signup bonus, a strong intro APR on purchases and lucrative cash back.’s rating: 4.5 / 5


  • Get this card if you can take advantage of the card’s cashback categories and you’re looking for a no-annual-fee product.
  • Pick something else if you want a flat rewards rate or spend heavily in categories like travel, shipping and online advertising.
  • Apply with a good to excellent credit score of 670 or higher.
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Welcome offer

Up to 5%

Cash back


Annual fee


Intro purchase APR

for the first 12 months (then 13.24% to 19.24% variable)


Annual fee$0
Welcome Offer$750 cash back after spending $7,500 in the first 3 months
Rewards5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
Purchase APR0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR13.24% to 19.24% variable
Recommended minimum credit score670

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

This is a small-business card offering up to 5% cash back on the first $25,000 spent in select business categories — such as office supply stores and internet services — per card year, then 1%. That’s an excellent rewards rate, especially for a business credit card.

The card has a $0 annual fee, and you’ll earn $750 cash back after you make $7,500 in purchases within the first 3 months of account opening. In addition to its top reward rate, you’ll also earn solid cash back at restaurants and gas stations — though you’ll find superior rewards with the American Express® Business Gold Card.

How to apply for the Ink Business Cash℠ Credit Card

  1. Learn more about how to apply for Ink Business Cash℠ Credit Card.
  2. Complete the application by providing your personal, financial and business details.
  3. Confirm that the information you’ve provided is correct, and click Submit.

How long will it take to be approved?

Because conditional credit card approval is automated on the website, you may get a decision on your application within a few minutes. If there are issues with your application, it may take a few business days to a few weeks to hear back.

How long will it take to get my Ink Business Cash℠ Credit Card?

After you’re approved, you’ll typically receive your card within 7 to 10 business days.

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The perks

  • Annual fee: $0. A $0 annual fee makes it easy to keep the card long-term and lets you keep all the rewards you earn.
  • Signup bonus: cash back. After you spend $7,500 on purchases in the first 3 months of opening your account, you’ll earn bonus cash back.
  • Intro APR: 0% on purchases for the 12 months. For the first 12 months after opening your account, you’ll receive a 0% intro APR on purchases. After that, your purchase APR will be 13.24% to 19.24% variable. With an intro APR that lasts for 12 months, this is one of the best you’ll find among business credit cards.
  • Cash back: Up to 5% cash back on business spending. The Ink Business Cash℠ Credit Card is an excellent choice if you spend heavily at office supply stores and on Internet, cable and phone services. In those categories, you’ll earn 5% cash back on the first $25,000 you spend annually in combined purchases — and 1% after. The card is also a good pick if you’ll use it often at gas stations and restaurants. In those categories, you’ll earn 2% cash back on the first $25,000 you spend annually in combined purchases — and 1% after. On everything else, you’ll earn 1% cash back.

How Chase cash back works

Chase advertises its Ink Business Cash℠ Credit Card rewards as cash back. However, you’ll actually earn points when you use your card.

It takes 100 points to earn $1 in cash back – in other words, each point is worth 1 cent, which follows the industry standard.

You can redeem your points for various rewards, including:

  • Cash back
  • Gift cards
  • Travel
  • Products and services from third-party merchants

Points may be worth less than 1 cent apiece if you redeem them for rewards other than cash back. That said, it’s a good idea to check the redemption rate before using your points.

You’ll also like …

  • Free employee cards. Add employee cards to your account at no cost. Not only can you set spending limits for each card, you can also earn cash back on your employees’ spending.
  • Travel and purchase benefits. Leverage your Ink Business Cash℠ Credit Card for legal assistance, medical referrals and travel and emergency assistance. Receive extended warranties, purchase protection and collision damage waivers for rental vehicles.
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What to watch out for

  • Your intro APR expires after the 12 months. Once your intro APR expires, you’ll start accruing interest on all outstanding balances.
  • Penalty fees. You’ll pay fees of up to $39 if you make a late or returned payment.
  • Transaction fees. You’ll pay fees for balance transfers, cash advances and foreign transactions.

Best fuel cards for small business

Compare business credit cards

Name Product Rewards Purchase APR Annual fee
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.

Compare up to 4 providers

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What size business is the Ink Business Cash℠ Credit Card good for?

One of the Ink Business Cash℠ Credit Card‘s best selling points is its $0 annual fee, which makes the card accessible to many businesses. Even if you don’t make many purchases on the card, you needn’t worry about earning enough cash back to make the card worth paying for.

The card does offer accelerated rewards in certain categories. That said, it’s best if your business spends heavily on gas, dining, office supplies and Internet, cable and phone services. Earning up to 5% cash back can help significantly when expenses are tight.

If your business doesn’t spend much in those categories, consider another business card that offers more lucrative rewards. Compare all three Chase Ink cards to see which best fits your business needs.

What should I know before I apply?

You may apply for the Ink Business Cash℠ Credit Card if:

  • You’re at least 18 years old.
  • You’re at least 19 if you live in Alabama or Nebraska.
  • You operate a small business.

Information you’ll need

To complete the application, you’ll need to provide information about yourself and your business, including:

  • Your name, residential status and residential address.
  • Your Social Security number.
  • Your email address, phone number and date of birth.
  • Financial information like your annual income and source of income.
  • The name of your business, its mailing address and its employee count.
  • Your years in business and annual business revenue.
  • Your tax identification number.

What credit score do I need?

You have a better chance of being approved for this card if you apply with a good to excellent credit score of 670 or higher.

What’s my likelihood of being approved?

If you don’t have a business, your chances of being approved for this card are slim. But if you have a healthy business and excellent credit, your likelihood of being approved will improve dramatically.

Here are a few other factors that might affect your odds of approval:

  • Whether you’re a current Chase customer. Chase is reportedly more likely to approve its current banking and credit card customers. This makes sense, as it can more readily evaluate your financial stability with the data it already has. Furthermore, it has an incentive to keep you happy as a customer.
  • How many hard pulls you have on your credit report. If you have several hard inquiries — or hard pulls — on your account, it might make you look desperate for credit. This implies you’re having trouble managing your debt, and Chase may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Credit utilization is a major factor that Chase will consider. The bank prefers a customer who has low balances relative to their credit limit. Having many new card accounts may be a red flag, too, as it may indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for signup bonuses.

Ink Business Cash℠ Credit Card reviews and complaints

Cardholders generally think the Ink Business Cash℠ Credit Card is a great product with excellent cash back. Many cardholders say they were approved for high credit limits.

As of October 2020, Chase earns a Trustpilot score of 1.3 out of 5. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews cite the bank’s great mobile app and quick resolutions to their issues. Overall, your mileage may vary with Chase customer support.

JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but it has an A+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of October 2020. Most customer complaints revolve around poor customer service and hidden costs Chase credit cards in general. Make sure you read your card’s terms and the rewards agreement to avoid issues with your account.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the Chase website, where you can enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of at least 20 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with fees of up to $39. The balance transfer fee is $5 or 5% of the transaction, whichever is greater of the transaction, and the cash advance fee is $15 or 5% of the cash advance amount, whichever is greater.
  • Contact customer service. If you have questions, contact Chase Credit Cards support at 1-800-432-3117.

Bottom line

The Ink Business Cash℠ Credit Card is an excellent business credit card, offering a great signup bonus, $0 annual fee, a solid intro APR and lucrative rewards. If your business can take advantage of the cashback categories, the card is an easy choice. It’s important to find the card that’s right for your business though, so you may want to compare your options.

Common questions about the Ink Business Cash℠ Credit Card

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Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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