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.

$900 Welcome Bonus
Ink Business Cash® Credit Card
  • Earn a $900 Cash Welcome Bonus After Spending $6,000 in the First 90 Days
  • 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

Click Here to Learn How to Apply

$900 Welcome Bonus (Best Ever)

You can earn a best every $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earning Rewards

The Ink Business cash earns rewards at the following rates 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.

But you can easily increase the value by 25-50% of this card’s rewards by holding a premium Chase Ultimate Rewards card, including:

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.

Ink Business Cash Benefits

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.

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 $10,000 per claim and up to $50,000 per cardholder.

Credit Card Purchase Protection Broken Phone

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: 

Blue Business® Plus Credit Card from American Express

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards Points for $3,000 in Eligible Purchases in the First 3 Months
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, a variable APR of 17.49% – 25.49%.
  • No Annual Fee (Rates and Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Business® Plus Credit Card from American Express is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

Capital One Spark Miles for Business

2x Miles on All Purchases
Capital One Spark Miles for Business
  • Earn 50,000 Bonus Miles After Spending $4,500 in the First 3 Months
  • 2x Miles On Every Purchase
  • Global Entry or TSA PreCheck Credit
  • No Foreign Transaction Fees
  • $0 Intro Annual Fee for the First Year, $95 Thereafter
Learn More Our Review

The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.

The card earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.

The Spark Miles also offers a $100 statement credit for your Global Entry or TSA PreCheck application and no foreign transaction fees.

American Express Blue Business Cash™ Card

No Annual Fee
American Express Blue Business Cash™ Card
  • Earn a $250 Statement Credit After $3,000 in Eligible Purchases in the First 3 Months
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, a variable rate of 17.49% – 25.49% applies.
  • No Annual Fee (Rates and Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The American Express Blue Business Cash™ Card offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cash back rate on all qualifying purchases up to $50,000 each year (1% thereafter).

Offering an expanded buying power, the Blue Business Cash gives your business the flexibility to spend above your credit limit for your business expenses. 

Ink Business Unlimited® Credit Card

$900 Welcome Bonus
Ink Business Unlimited® Credit Card
  • Earn $900 Bonus Cash Back After Spending $6,000 in the First 90 Days
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Unlimited® Credit Card is a no-annual fee card that earns 1.5% cash back on all purchases, with a huge welcome bonus of $900 after spending $6,000 in the first 90 days.

It also pairs well with the Chase Sapphire Preferred or Chase Sapphire Reserve, which unlocks the ability to convert the Ink Business Unlimited cash back to airline and hotel points.

This combo allows you 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.

$900 Welcome Bonus
Ink Business Cash® Credit Card
  • Earn a $900 Cash Welcome Bonus After Spending $6,000 in the First 90 Days
  • 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

Click Here to Learn How to Apply

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

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