Chase Ink Business Cash Credit Card Review

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The Chase 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.

You can also convert cash back to Ultimate Rewards points if you have an Ultimate Rewards card. This allows you to get more value for your spending by transferring to airline and hotel partners.

$750 Cash Welcome Bonus
Chase Ink Business Cash®
  • Earn a $750 Cash Welcome Bonus After Spending $7,500 in the First 90 Days
  • 5% Cash Back at Office Supply Stores, Internet, Cable, 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

Click Here to Learn How to Apply

Primary Rental Car Insurance

Primary rental car insurance covers any damage to a rental car when you pay for the rental using this card. 

For primary coverage to apply, you must be renting the car for business purposes.

But you still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

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.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.

But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.

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 $500 per claim and up to $50,000 per cardholder.

Credit Card Purchase Protection Broken Phone

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.

$750 Cash Welcome Bonus
Chase Ink Business Cash®
  • Earn a $750 Cash Welcome Bonus After Spending $7,500 in the First 90 Days
  • 5% Cash Back at Office Supply Stores, Internet, Cable, 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

Click Here to Learn How to Apply