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Ink Business Cash® Credit Card review

A business credit card with $0 annual fee, a strong intro APR on purchases and strong rewards.

finder.com’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.

$750

Welcome offer

Up to 5%

Cash back

$0

Annual fee

0%

Intro purchase APR

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

Details

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
Minimum Credit Score670
IssuerVisa
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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, Business.com, Lifehacker and CreditCards.com. 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

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. 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. Here’s what you need to do to apply:

  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.

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.

It can take just a few minutes to get 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. After you’re approved, you’ll typically receive your card within 7 to 10 business days.

Ink Business Cash® Credit Card benefits

  • 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.
  • 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.

    Ink Business Cash® Credit Card drawbacks

    • 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 $40 if you make a late or returned payment.
    • Transaction fees. You’ll pay fees for balance transfers, cash advances and foreign transactions.

    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.

    Compare business credit cards

    If this business card isn’t right for you, compare other cards on the market that may be a better fit for your business’ spending needs and size.

    Name Product Rewards Purchase APR Annual fee
    CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
    2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
    15.99% to 24.99% variable
    $0 intro annual fee for the first year ($99 thereafter)
    65,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
    Premium Capital on Tap Business Credit Card
    2% cashback on all purchases
    9.99% to 34.99% variable
    $0
    Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
    Ramp Visa® Commercial Card
    1.5% cashback on all purchases
    N/A
    $0
    Replace expense reports with unlimited virtual and physical cards. Automate your accounting, lower your bills, and earn 1.5% cash back on everything.
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    See offer

    The Ink Business Cash® Credit Card could be good for a business of any size

    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.

    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 1.4 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 2021. 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 $40. 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.

    Credit card ratings

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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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