Ink Business Cash® Credit Card review

If you are a business owner looking for a cash-back rewards card that rewards you for actual business spending, this may be the card for you. Plus, it comes with a low APR, flexible rewards, and no annual fee.

Written by
Brooklyn Lowery
Edited by
Jennifer Doss
Why you should trust CardRatings
Small Business Card

Ink Business Cash® Credit Card

  • Rewards
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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.
  • Welcome Bonus
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
  • Annual Fee
  • $0
Credit Score: Excellent, Good
on Chase's secure website
Terms and Limitations Apply

Key Features

Editor Analysis:

  • New cardholders can jump start their rewards earning with $350 once spending $3,000 on purchases in the first three months and an additional $400 once spending $6,000 on purchases in the first six months after opening an account.
  • This card is routinely among our top picks for small business credit cards without an annual fee thanks in large part to its rewards of as much as 5% cash back in popular small business spending categories.
  • Capitalize on a 0% intro APR on purchases for intro_apr_duration (then, RegAPR). It's a nice feature for a business owner with some start-up costs or a major purchase on the horizon.
  • Be mindful of the cap on bonus cash back. If you know you'll spend more than $25,000 in the 2% and 5% categories, you might consider adding the CardName to your wallet so you can earn 1.5% cash back on the non-bonus category purchases or on those purchases after you hit the spending cap.

card_name benefits

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 CardName might be the right fit for you.

Earning cash back for business spending is easy with the CardName. Even easier for new cardholders who can earn $300 once spending $3,000 on purchases in the first three months and an additional $400 once spending $6,000 on purchases in the first six months after opening an account.

The CardName offers flexible cash-back rewards, tracked as points, with no annual fee. The reward opportunities include:

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

Here’s a quick snapshot of some other CardName benefits:

  • No annual fee.
  • 0% intro APR for the first intro_apr_duration on purchases (then, RegAPR).
  • 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.

CardName foreign transaction fee

While the annual_fees annual and generous cash back rewards program make the CardName an attractive option for most small business owners, you might want to leave it at home if you plan a business trip overseas.

CardName carries a fee of foreign_transaction_fee on all foreign transactions. The transaction amount is converted to U.S. Dollars and then the 3% fee is applied. That can add up quickly over the course of an average length business trip.

What does that mean in terms of real expense? According to Travel Leaders Corporate, the average length of an overseas business trip is three days. Should a person spend $1,000 on food and beverages, entertainment, transportation, etc. during their trip, the added expense of the foreign transaction fee would total $30. For someone whose job requires them to make one such trip per month, the added expense would be $360 per year.

CardRatings Tip

Though the card charges a moderate annual fee, if you travel abroad often and you want to stick within the Chase family of credit cards, you might want to consider adding the card_name to your wallet. It earns 3X points per dollar on the first $150,000 spent in combined purchases on travel as well as other business categories, and doesn’t charge a fee on foreign transactions.

CardName approval odds

So you like the sound of the CardName, but now you might be wondering, do you qualify?

The list of people who can apply for a small business credit card is long, and includes freelancers/self-employed individuals, entrepreneurs, small business owners/officers, owners/officers of established businesses, and owners/officers of startups. Most credit card companies define “business” quite broadly when it comes to considering applicants for small business credit cards. To qualify for a business credit card, you must be an “authorized officer” of a company. Basically, this means that you must have the legal right to enter into borrowing arrangements with financial institutions on behalf of a business. If you are the owner of a sole proprietorship business or the sole owner of a small business, you are already an “authorized officer.” You are, after all, the only owner of the company. It can be more complicated determining who ranks for businesses that have multiple owners. In general, though, most owners are also “authorized officers.”

Credit card issuers consider each application on its own merits, so don’t assume you don’t qualify just because your business might not fit that standard business model. Do keep in mind though that your personal credit history will likely be what is used to determine your eligibility and/or credit limit on a business card before you’ve built up a credit history for your business.

If your business doesn’t have a tax ID number (EIN), you can enter your personal social security number instead. In general, try to have the following information handy when you apply:

  • Business name
  • Business name as you want it to appear on the card
  • Business address
  • Type of business
  • Tax ID number (or your social security number)
  • Number of employees
  • Annual revenue/sales
  • Monthly expenses
  • Number of years in business
  • Ownership type (publicly traded, privately owned, etc.)
  • Business structure (LLC, corporation, non-profit, etc.)

How do cardholders rate the CardName?

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:

  Current Scores Past Scores
Overall Score 78 78.7
Features Satisfaction 7.7 7.7
Customer Service 7.8 8
Website/App Usability 7.9 8.2
Likelihood of Continuing to Use 8.1 7.6
Recommend to a Friend/Colleague 7.7 8
Scores above reflect the results of surveys with actual cardholders. Full methodology below.

How does the CardName compare to other business credit cards?

CardName vs. CardName


For small business owners who like to travel, the CardName is a great alternative to the CardName. New cardholders can earn 100,000 bonus points after $8,000 spent on purchases in the first three months from account opening. That’s $1,250 toward travel when redeemed through Chase Rewards. With no foreign transaction fees and additional travel perks like trip cancellation/interruption insurance included, the CardName provides excellent travel benefits for the AnnualFees annual fee.

The bonus point categories for the CardName categories are geared toward frequent travelers, with cardholders earning three points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, and one point earned per $1 spent on all other purchases. For an in-depth breakdown of how these two cards line up side-by-side, see our full Ink Business Cash® vs. Preferred® comparison.

CardName vs. CardName


If you spend heavily in multiple categories, the CardName is another card in the Ink family you might want to consider. Instead of earning tiered reward rates in various categories, this card offers a flat 1.5% cash back on every purchase made with the card. It’s an ideal option for those business spenders who just want to spend and earn, and not really have to think about how they’re earning. It’s also similar to the Business Cash card in that it has no annual fee and offers an introductory 0% APR period: intro 0% APR on purchases for intro_apr_duration (then RegAPR).

For a no-annual-fee card, the welcome bonus is also quite lucrative. New cardholders can earn $750 cash back once spending $6,000 in the first three months from opening an account.

Learn more about which Chase Ink business credit card is right for you.

Is the CardName a good 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.

Frequently asked questions

Yes, the CardName offers 0% intro APR on purchases for intro_apr_duration before regular RegAPR applies.
No, the Chase CardName charges foreign_transaction_fee on purchases made in a foreign currency.
The CardName 5% categories are: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. does not review every company or every offer available on the market.

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