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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
5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellularphone, landline, internet and cable TV services each account anniversary year. 1% cash back on all other card purchases.
Annual Fee
$0

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% 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 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

  • It has a decent variable rate for a cash-back business card and has a $0 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 World Elite™ MasterCard®.

    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 World Elite™ MasterCard® 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 World Elite™ MasterCard® 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.

    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
    Unlimited 1.5% cash back
    1%
    Cashback on Groceries
    1%
    Unlimited 1.5% cash back
    1%
    Cashback on other
    5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellularphone, landline, internet and cable TV services each account anniversary year. 1% cash back on all other card purchases.
    Unlimited 1.5% cash back
    5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
    Purchase Intro
    APR:
    0% Intro APR on Purchases
    Period:
    for 12 months
    APR:
    0% Intro APR on Purchases
    Period:
    15 months
    APR:
    0%
    Period:
    for 12 months
    Purchase APR
    13.49%-19.49% Variable
    14.24%-23.24% Variable 
    11.24% - 23.24% Variable 
    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
    5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellularphone, landline, internet and cable TV services each account anniversary year. 1% cash back on all other card purchases.
    Purchase Intro
    APR:
    0% Intro APR on Purchases
    Period:
    for 12 months
    Purchase APR
    13.49%-19.49% Variable
    Annual Fee
    $0

    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
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellularphone, 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 eachaccount 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 $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

    Start Here

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    Apply online for Chase Freedom Unlimited ℠

    Chase Freedom Unlimited ℠

    • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Redeem for cash - any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    Credit Needed:
    Excellent/Good
    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 like gas, restaurants, Amazon and more - up to $1500 every quarter 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.
    • FICO(R) Credit Scores for free on 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