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Apply online for Ink Cash® Business Credit Card
About Our Ratings
Credit Needed
Excellent

Ink Cash® Business Credit Card Review

Pros & Cons

  • You can earn 5% cash back in select business categories.
  • Free employee cards.
  • Capitalize on a 0% intro APR on purchases and balance transfers for 12 months.
  • Be mindful of the cap on bonus cash back

Top Features

Cashback on Gas
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Cashback on groceries
1%
Cashback on other
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

Ink Cash® Business Credit Card Essentials

If you're a business owner looking for a cash-back rewards card that rewards you for actual business spending plus comes with a low APR, flexible rewards and no annual fee, the Ink Cash® Business Credit Card is for you. Plus, new card owners can take advantage of bonus cash-back offerings and a 0 percent APR on purchases and balance transfers in the first year of card ownership.

Earning cash back for business spending is easy with the Ink Cash® Business Credit Card. Even easier for new cardholders who can earn $300 in bonus cash back after spending $3,000 on purchases in the first three months of opening an account.

The Ink Cash® Business Credit Card offers flexible cash-back rewards, tracked as points, with no annual fee. The reward opportunities include:

  • 5 percent back on the first $25,000 spent annually in combined purchases at office supply stores, as well as on cellular, landline, internet and cable television services.
  • 2 percent back on the first $25,000 spent at gas stations and restaurants each account anniversary year.
  • Unlimited 1 percent back on all other purchases.

Once you earn 2,000 points, you can redeem those points for a statement credit or an electronic deposit to your checking or savings account. Points can also be redeemed for gift cards and travel, but for those redemptions each point is worth a penny, so you have to earn 100 points to receive $1 in redemption value.

Here's a quick snapshot of some other perks of the Ink Cash® Business Credit Card:

  • No annual fee
  • 0 percent APR for the first 12 months on both purchases and balance transfers.
  • Points don't expire as long as your account remains open.
  • Cards are available for your employees at no extra charge, plus you can control spending limits while also earning points on those purchases.
  • Access to the Ink Mobile App so you can avoid surprises with instant purchase alerts, while also allowing you to file receipts and manage employee spending.
  • Purchase protection and extended warranty protection.
  • Auto rental collision damage waiver so you can decline collision insurance when renting a car.

What Our Editors Like Most about the Ink Cash® Business Credit Card

As a business owner, the ability to earn cash-back rewards on purchases related to your business, including internet and phone services, can mean just a little extra padding on your bottom line - or at least the chance to feel a little better about purchases you'd be making anyway. The added benefit of having cards for your employees, where you can also manage their spending, helps you stay on top of all business expenses.

The no annual fee is also a great perk of this card. That, along with no APR for the first 12 months of card ownership for purchases and balance transfers, means this could be a solid choice for new business owners funding start-up expenses or perhaps business owners who have a bit of debt they need to consolidate.

That said, it will be important to pay off your card each month or any rewards you accumulate will quickly be absorbed by interest charges after your intro period ends.

Having a business credit card is likely an essential part of your small business success, but it also shouldn't be something that requires a lot of your time and attention. Simple rewards-earning opportunities and numerous other tools to make this card worthwhile.

Potential Downsides of the Ink Cash® Business Credit Card

The Ink Cash® Business Credit Card offers straightforward tiered rewards, but you'll need to take a realistic look at your business' spending to determine whether the card is right for you. If you don't spend in the 5 percent category (or if you spend well over $25,000 on those purchases), this card won't bring in maximum rewards for you.

Be honest about your spending habits in order to determine whether this card is right for you.

Furthermore, a 3 percent foreign transaction fee also applies to purchases made outside of the U.S., making it not the best card if you travel internationally for business.

How the Ink Cash® Business Credit Card Compares to Other Cash Reward Cards

Ink Cash® Business Credit Card vs. Bank of America Cash Rewards for Business MasterCard

Both cards come no annual fee and a 0 percent APR introductory period (12 months for Chase Ink Cash® and nine months for the Bank of America® Cash Rewards for Business MasterCard® credit card). That intro period alone could figure into which card is a better option for your business. They both also have the drawback of a 3 percent foreign transaction fee. That's where the similarities end.

Unlike Ink Cash®, the Bank of America® Cash Rewards for Business MasterCard® credit card are just that, cash rewards (3 percent on purchases gas stations and office supply stores and 2 percent at restaurants on up to a combined $250,000 a year in gas station, office supply store and restaurant purchases, as well as 1 percent on all other purchases). You can also cash out the Bank of America® Cash Rewards for Business MasterCard® credit card rewards sooner - once you earn $25 you can redeem them for a statement credit or a deposit to your checking or savings account.

Ink Cash® Business Credit Card vs. Business Green Rewards Card from American Express OPEN

The Business Green Rewards Card from American Express OPEN has a hefty annual fee of $95 compared to no fee with the Ink Cash® Business Credit Card. Additionally, the Business Green Rewards Card from American Express OPEN is a traditional charge card where you'll need to pay off the balance in full each month, eliminating interest which saves money in the long run, but you'll have to decide whether your business is one that can operate with a card that doesn't feature the option of carrying a balance.

Both cards use a point system for earning rewards, however, with the Business Green Rewards Card from American Express OPEN, cardholders also earn points - one point for each dollar spent on eligible purchases and double points on eligible purchases made when you book travel through the American Express Travel website.

Who Should Get this Card?

This is a good card for business owners who have substantial expenses from office supplies to internet, cable and phone services. The more you spend, the more you earn and those higher points can be redeemed for cash rewards or other products and services that support your business needs or bottom line.

With no annual fee, and the ability to control employee spending and limits, this card is a good option for business owners who want to effectively and efficiently manage spending, while earning money back that can be reinvested into their business.

This card compared to other cash back cards

Cashback on Gas
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
1%
1%
5% Earnings for $5k and 2% after
Cashback on other
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
0% Intro APR on Purchases
Period:
12 months
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
13.49%-19.49% Variable
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
This card is best for small business owners with good to excellent credit, who are looking for an introductory APR on purchases and balance transfers and typically spend in bonus categories.
CardRatings.com Editorial Staff

Ink Cash® Business Credit Card details

Cashback on Gas
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Cashback on groceries
1%
Cashback on other
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Purchase Intro
APR:
0% Intro APR on Purchases
Period:
12 months
Purchase APR
13.49%-19.49% Variable
Annual Fee
$0

What Chase says about this card

  • Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee

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Featured offers
Currently available on the Ink Cash® Business Credit Card
Earn $300 bonus cash back
After you spend $3,000 on purchases in the first 3 months from account opening.

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good