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

Ink Cash® Business Credit Card Review

Our Editor's take

This card is for small-business owners who want cash back and no annual fee. It offers bonus cash back on the first $25,000 spent in combined purchases in popular business spending categories each account anniversary year. Free employee cards. Watch out for: Be mindful of the cap on bonus cash back
Curtis Arnold Curtis Arnold
Editor-in-chief

Full Review

Curtis Arnold Editor-in-chief
With so many credit cards available to small businesses and entrepreneurs, finding the best one for your situation can be a challenge. If you do not travel on a regular basis, then the Ink Cash® Business Credit Card could be a good choice for your business. It’s one of our editor’s top picks in the small business category due to its strong rewards program and no annual fee.

This card allows you to earn 5 percent 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 as well as 2 percent cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. You also earn 1 percent cash back on all other card purchases with no limit to the amount you can earn. It has a decent variable rate for a cash-back business card and has no annual fee.

How this card compares to other cards


Our other top picks for small businesses include Capital One® Spark® Cash for Business, The Business Platinum Card® from American Express OPEN (American Express is a CardRatings.com advertiser), CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® (Citi is a CardRatings.com advertiser), and U.S. Bank Business Edge™ Cash Rewards Card.

If you’re a frequent flier, The Business Platinum Card® from American Express OPEN (terms and restrictions apply), or CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® are probably better offers for you than the Ink Cash® Business Credit Card. However, if you don’t travel much, it will be difficult to offset the annual fee—and it’s unlikely that you will benefit from either rewards program as much as you would a cash-back card suited to your spending habits.

Capital One® Spark® Cash for Business offers a flat 2 percent cash back on all purchases, but comes with an annual fee--$0 intro for the first year and $59 after that. The U.S. Bank Business Edge™ Cash Rewards Card has a rewards structure more similar to the Ink Cash® Business Credit Card in that it offers 3 percent cash-back rewards on qualifying purchases with cellular phone providers, gas stations and office supply stores. All other net purchases earn 1 percent cash back throughout the year, with no caps. Additionally, if you keep your account in good standing, U.S. Bank will kick in an annual bonus equal to 25 percent of your previous year’s cash-back earnings, up to $250.

While the Capital One® Spark® Cash for Business and U.S. Bank Business Edge™ Cash Rewards Card have no spending caps, they do not earn as much in certain popular business spending categories. In order to determine which of these cards is best for you, you’ll need to estimate your annual spending by category and do the math. Use our comparison chart (calculator) below for help.

Who should get this card


Ink Cash® Business Credit Card is best for small-business owners with excellent credit who do not travel often and spend substantially at office supply stores and on cellular phone, landline, Internet and cable TV services, as well as gas stations and restaurants.

Have this card? Submit your own review below and let us know what you think about our editor’s comments.

Ink Cash® Business Credit Card details

Balance Transfer Intro APR
0% Intro APR on balance transfers
Balance Transfer Intro Period
for 12 months
Purchase APR
13.24% Variable 
Annual Fee
No Annual Fee

What Chase says about this card

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • 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
  • Free employee cards
  • No Annual Fee

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Featured offers
Currently available on the Ink Cash® Business Credit Card
Earn $200 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 BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good
Apply online for Citi ThankYou® Premier Card

Citi ThankYou® Premier Card

  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
  • No foreign transaction fees on purchases
  • Points do not expire and earn unlimited ThankYou Points
  • Annual Fee: $95 (fee waived for the first 12 months)
Credit Needed:
Excellent