Chase Ink Cash Business Card Review | CreditShout

Ink Cash Business Card Review

By Kevin / January 13, 2015
Reviews Chase Ink Business Cash Credit Card


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Chase Ink Cash® Business Rewards Card

Ink Cash Business Card Review

CreditShout Rating:

Annual Fee: $0

Credit Required: Excellent

Rewards Program and Signup Bonuses*:

  • ​Earn $300 bonus cash after you spend $3,000 in the first 3 months.
  • 0% intro APR on purchases and balance transfers for the first 12 months, then 13.49% variable APR.
  • 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.
  • Unlimited 1% cash back on all other purchases.


The Ink Cash business card allows you to earn accelerated rewards without an annual. When combined with its introductory financing offer, and the option to take your rewards as cash back or redeem them through Chase Ultimate Rewards®, we think Chase Ink Cash is one of the best business credit cards available today.


Rewards Program Explained

With the Ink Cash, you will earn rewards points that you can redeem for cash or through Chase Ultimate Rewards®.

Earning Points

In addition to the signup cash-back bonus you can earn with an Ink Cash, you can regularly earn rewards points as follows

  • 1% cash back as you make new purchases.
  • An additional 4% back on the first $25,000 spent on combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services, earned each annual account anniversary.
  • An additional 2% cash-back on the first $25,000 spent on combined purchases at gas stations and restaurants, earned each account anniversary year.
  • Plus, you can earn extra rewards from partner merchants when you shop online through Chase Ultimate Rewards®.

Another great benefit of Chase Ink Cash card is you can combine your business card rewards with all other rewards you earn with eligible Chase cards. And, since your rewards points will not expire as long as your account remains open​, you can stockpile a lot of points if you are saving up for a big trip.

Redeeming Your Rewards

While Ink Cash is designed to be a cash back rewards card, you do have some additional redemption options. You can access these additional options by redeeming your rewards points through Chase Ultimate Rewards®. And, since the lowest redemption options available still offer you $0.01 over point, you do not have any bad choices.

Cash Back

You can redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. 


You can also redeem points for vacation packages, cruises or fly any class on most major airlines. Redeeming points for travel packages means there are no restrictions or blackout dates on airfare booked through Chase Ultimate Rewards.

Unfortunately, however, Ink Cash® does not give you access to the premier level travel options available with other Chase business cards. Those cards, for an annual fee, allow you to take advantage of 1:1 point transfer to leading frequent travel programs and get 20% off airfare, hotels, car rentals and cruises from participating providers.

Shop with Points on Amazon

Through Chase's partnership with, you can instantly redeem your points to pay for all or part of the your eligible Amazon purchases (including tax and shipping).

Other Options
  • Redeem your points for gift cards from major retailers.
  • Redeem rewards for adventures like golf lessons or scuba diving.

Additional Card Benefits

Other benefits built into the Ink Cash card include*:

  • ​20% off travel when booked through Chase Ultimate Rewards.
  • Purchase Protection covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
  • Extended Warranty Protection extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
  • Auto Rental Collision Damage Waiver allows you to decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Unlike some other leading business cards, Ink Cash does not come with return protection or price protection for your new purchases. 

Interest and Fees

Chase build the Ink Cash business card to provide a lot of bank for your buck for a no-fee credit card. 

In addition to the great rewards ​program, Ink Cash allows new cardholders to take advent of 12 months of 0% APR financing on new purchases and balances transfers. Please be aware that balance transfers will be subject to a 3% fee.

You should also note that all additional employee cards are free.​

Charges and Fees

APR for Purchases

0% APR for the first 12 billing cycles. After that, 13.49%. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% APR for the first 12 billing cycles. After that, 13.49%. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

24.99%. This APR will vary with the market based on the Prime Rate.

Penalty APR

29.99%. This APR will vary with the market based on the Prime Rate

Annual Fee


Balance Transfer Fee

Greater of $5 or 5% of the amount of each transfer.

Cash Advance Fee

Greater of $15 or 5% of the amount of each cash advance

Foreign Transaction

3% of each transaction in US dollars.

Late Payment Fee

Up to $39 (based on your outstanding balance).

Returned Payment


The Bottom Line

Chase Ink Cash is a great card for any small business owner. It gives you the opportunity to earn accelerated rewards in categories where you spend money, comes with an intro APR offers, and gives you access to Chase Ultimate Rewards (if you decide that you want alternatives to cash back rewards).


  • Great rewards program
  • Flexible reward redemption options
  • 20% off travel booked through Chase
  • Signup offer includes additional cash back and intro 0% APR period
  • No annual fee


  • Requires excellent credit
  • Have to wait for annual anniversary to receive rewards bonus
  • No access to premier level Chase travel rewards that are available with annual fee cards
  • No return or price protection on new purchases

Last Updated: January 26, 2016

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site


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