The Ink Business Cash® Credit Card earns 5% cash back on office supply stores and internet, cable, and phone services up to $25,000 in combined spending per account year. Plus 2% cash back at gas stations and restaurants.
- bonus_miles_full
- 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
- 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
Welcome Bonus
The Ink Business Cash currently offers the following welcome bonus:
bonus_miles_full
Earning Rewards
With the Ink Business Cash you will earn rewards in the form of Ultimate Rewards points:
- 5% cash back (5x points) on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
- 2% cash back (2x points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- 1% cash back (1x points) on all other eligible purchases, including any spending over $25,000 each account anniversary year in the 5% and 2% categories.
But you can easily increase the value by 25-50% of this card’s rewards by holding a premium Chase Ultimate Rewards card, including:
- Chase Sapphire Preferred® Card (review)
- card_name (review)
- Ink Business Preferred® Credit Card (review)
These three cards allow you to transfer this card’s Ultimate Rewards to the other Chase card to unlock:
25% Bonus: If you have the Chase Sapphire Preferred or Ink Business Preferred, you can redeem points for 1.25 cents per point for a travel purchase, which is a 25% bonus over the standard 1.0 cents per point.
50% Bonus: If you have the Chase Sapphire Reserve, you can redeem points for 1.5 cents for a travel purchase, which is a 50% bonus over the standard 1.0 cents per point.
Potentially More Than 50% Bonus: With the Sapphire Preferred, Sapphire Reserve, and Ink Preferred cards, you can transfer Ultimate Rewards to Chase’s airline and hotel partners, including Hyatt, Southwest Airlines, United Airlines, and Air Canada Aeroplan. This allows you to earn even more value, especially for business-class flights.
No Annual Fee
One of the best aspects of the Ink Business Cash is that it has no annual fee while offering nice benefits like rental car insurance, extended warranty, and purchase protection.
Ink Business Cash Benefits
The Ink Business Cash offers the following card benefits and perks:
Primary Rental Car Insurance
This card offers primary rental car insurance when you rent either (1) for business purposes in almost every country worldwide, (2) renting outside your country of residence for personal reasons, or (3) if you don’t have automobile collision insurance.
Primary rental car insurance covers any damage to a rental car when you pay for the rental using this card.
But you still need to maintain liability car insurance to cover damage to another person or property.

Extended Warranty
Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.
Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.
Purchase Protection for 120 Days
Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.
For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.
Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.m
Pros and Cons
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
- 5% cash back at office supply stores, internet, cable, and phone services is a great deal if you frequently spend in those categories.
- Ability to boost rewards with other Chase cards.
- Nice benefits such as primary rental car insurance, purchase protection, and extended warranty coverage.
Cons:
- A foreign transaction fee of 3%
- 1% cash back (or 1x points) for non-bonus category spend is low.
Alternatives to the Ink Business Cash
Now that you know about the pros and cons of this card and its benefits, it’s time to review the alternatives.
Or, if you are like me, who loves to maximize my rewards, here are other cards you should add to your wallet in addition to this card:
Ink Business Preferred® Credit Card
- bonus_miles_full
- 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
- 25% Additional Points Value in Travel Redemption
- Primary Rental Car Insurance
- Trip Cancellation/Interruption Insurance
- Cell Phone Protection
- Purchase Protection and Extended Warranty
- No Foreign Transaction Fees
- $95 Annual Fee
The Ink Business Preferred® Credit Card (review) is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.
With this card, you’ll earn:
- 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
- 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.
Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:
- Primary rental car insurance (when renting for business purposes).
- Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
- Purchase and extended warranty protection.
The American Express Blue Business Cash™ Card
- bonus_miles_full
- Potential Higher Bonus via Referral.
- 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
- 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
- No Annual Fee (rates & fees)
The American Express Blue Business Cash™ Card (review) offers simple, straightforward rewards for no annual cost.
This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).
The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses.
Ink Business Unlimited® Credit Card
- bonus_miles_full
- Unlimited 1.5% Cash Back on Every Purchase
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
The Ink Business Unlimited® Credit Card (review) is a valuable no-annual fee option for entrepreneurs and small business owners looking for simplicity and value.
This card offers a straightforward rewards structure, with 1.5% cash back on all purchases, making it easy for you to keep track of your rewards.
It also pairs well with the Chase Sapphire Preferred® Card (review) or Chase Sapphire Reserve® (review), which unlocks the ability to convert the Ink Business Unlimited cash back to airline or hotel points from any of Chase’s transfer partners.
This combo allows you to effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.
The Verdict
The Ink Business Cash is a straight forward no annual fee card that comes with several nice benefits such as rental car insurance, extended warranty, and purchase protection.
The one disadvantage is this card charges a 3% foreign transaction fee for charges outside the United States.
- bonus_miles_full
- 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
- 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
- Primary Rental Car Insurance
- Purchase Protection and Extended Warranty
- No Annual Fee
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.