Ink Business Cash Credit Card Review

Aedam Jo Written by
Ink Business Cash Credit Card
8.92/10 MyCreditCardLab Score
Ink Business Cash® Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
9.1

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% for 12 months from account opening date
9

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
18.49% - 24.49% Variable
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
9.4

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
9.3

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services.
8.4

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
Purchase protection, Travel and emergency assistance services
9.3

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
690 - 850 (Fair - Exceptional)
7.3

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
3%
8.9

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $15)
8.5

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
18.49% to 24.49% Variable
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Interest Rates
  • Foreign Transaction Fee
  • Sign-Up Bonus
  • Intro APR, Introductory Bonus
  • Reward Redemption Options

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • No annual fee
  • 0% Intro APR period
  • Rewards don’t expire
  • Good welcome bonus
  • Earns up to 5% cash back.

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • $5 or 5% Balance transfer fee
  • 3% foreign transaction fee
  • Spending cap on bonus categories
  • Minimum 2,000 points required for a redemption
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See our full methodology

In This Review

Reviews Annual Fee Welcome Bonus Rewards Benefits Comparisons APR Credit Score needed FAQs
8.9

Review: Ink Business Cash® Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score Ink Business Cash® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Very Good
Regular APR Very Good
Annual Fee Exceptional
Welcome Bonus Very Good
Rewards Very Good
Benefits Good
Recommended Credit Score Very Good
Foreign Transaction Fee Fair
Cash Advance Fee Very Good
Balance Transfer Fee Very Good

Who can apply for Ink Business Cash® Card?

We have categorized Ink Business Cash® Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

How is Ink Business Cash® Card Different?

The Ink Business Cash® credit card stands out with its tiered cash-back rewards. It offers 5% on office supplies and select services, 2% at gas stations and restaurants, and 1% on all other purchases.

It’s cost-effective. It has no annual fee and an introductory 0% APR for 12 months. This is beneficial for managing starting business expenses well.

10

Ink Business Cash® Card Annual Fee

Card type: Business Credit Cards

Issuer Name: Chase

No annual fee

The Ink Business Cash® Credit Card has no annual fee. It's a great choice for new businesses and owners who want to avoid extra costs. But, it depends on your spending habits and needs. You may get more value from a card that charges a fee. Compare the card with other top business credit cards. Do this to make sure you get as much value as possible.

9.4

Welcome Bonus

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. The welcome offer is big. But, it's easy to reach for companies that will issue multiple employee cards. Additional employee cards are free.

The Ink Business Cash® Credit Card is worth considering. It has an appealing 12-month 0% APR intro period. Big or many expenses needing many payments will benefit most from this incentive. It gives a stress-free year with no interest.

9.1

APRs: Ink Business Cash® Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the Ink Business Cash® Card.

Type of APR Rating
Intro APR - 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR. 9.1/10Very Good
Regular APR - 18.49% - 24.49% Variable 9/10Very Good
Purchase - 18.49% - 24.49% Variable 9/10Very Good
Balance transfer - APR: 18.49% to 24.49% Variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater 8.5/10Very Good
Cash advance - Either $15 or 5% of the amount of each transfer, whichever is greater 8.9/10Very Good
Penalty - Up to 29.99% 8.4/10Good
8.4

Ink Business Cash® Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the Ink Business Cash® credit card:

Benefits Score
Introductory APR

The Ink Business Cash® card typically offers an introductory 0% APR on purchases. It lasts for the first 12 months from account opening. it's helpfull for new businesses.

This can help businesses make large purchases. They can pay them off over time without paying interest.

 10/10Exceptional
Generous Cash Back Rewards

5% cash back - Office internet, cable, and phone services.
2% cash back - gas stations and restaurants.
1% cash back - all other purchases with no limit

 9.3/10Very Good
Employee Cards at No Additional Cost

If you have multiple employees who will require additional cards issued, Business owners can issue employee cards for free. They can use the cards to easily manage and track employee spending. They can also earn rewards on their purchases.

Remember, the 5% cash back category is capped at $25,000 per year across the account. It's not per authorized cardholder.

 10/10Exceptional
Purchase Protection and Extended Warranty

The card provides purchase protection and covers new purchases against damage or theft for up to 120 days. It extends the time of the U.S. manufacturer's warranty by a year. This is for eligible warranties of 3 years or less.

 9/10Very Good
9.3

Ink Business Cash® Card Rewards

Ink Business Cash® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:

  • You earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services. This is for each account anniversary year.
  • You earn 2% cash back. This is on the first $25,000 spent at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability, you won't be held responsible for unauthorized charges. They are made with your card or account info.
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

Your cash will come in the form of Chase Ultimate Rewards® points. One point equals one penny.

Why you might want a different card

The 5% categories don’t fit your business, Your business spends relatively little on office supplies. It also spends little on cable, internet, and phone services. So, you’re missing the main reason to use this card long-term.

Ink Business Cash® card Rewards Potential

Category Annual Spend Cash Back Percentage Estimated Earnings
Office Supplies $5,000 5% $250
Internet, Cable, Phone $3,000 5% $150
Gas Stations $3,600 2% $72
Restaurants $4,800 2% $96
Other Purchases $8,600 1% $86
Total $25,000 – $654

If you also have the Chase Sapphire Preferred® Card, Ink Business Preferred® Credit Card or Chase Sapphire Reserve®, you can transfer points to any of Chase’s airline and hotel partners. This can help you get the most value from your rewards. According to our research, here’s the value you might be able to get with some of those partners:

Chase Travel Partner Average Value of Points
British Airways Executive Club 2.51 cents
Southwest Airlines Rapid Rewards 1.37 cents
Emirates (Skywards) 1X UR points = 1% cash back
United Airlines MileagePlus 1.69 cents
Virgin Atlantic Flying Club 5.29 cents
JetBlue (TrueBlue) 1X UR points = 1% cash back
World of Hyatt 1.99 cents
Pro Tip
Pair the Ink Business Cash® Credit Card with a premium Chase card. Options include the Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve. This makes your points go 25% to 50% further on the Ultimate Rewards travel portal. These cards also unlock 1:1 points transfers to travel partners. This could give you even more value for your points.
9.3

Recommended Credit Score

Credit Score : 690 - 850 (Fair - Exceptional)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

For those interested in the Ink Business Cash® Card, we suggest having a credit score between 690 (Fair) and 850 (Exceptional). This range ensures eligibility for customized benefits and rewards, perfectly suited to your credit profile. Take advantage of exclusive perks by applying today and elevate your credit card experience.

Compare The Ink Business Cash® Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Ink Business Cash® Card Ink Business Cash® Card Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash® Card Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card
8.9MyCreditCardLab
Score 		8.7MyCreditCardLab
Score

MyCreditCardLab Score 8.7

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.4
Regular APR
9.6
Rewards
8.7
Benefits
7.9
Welcome Bonus
9
Recommended Credit Score: 8.5
Foreign Transaction Fee: 7.3
Cash Advance Fee: 9
Balance Transfer Fee: 7.8
9.1MyCreditCardLab
Score

MyCreditCardLab Score 9.1

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
10
Regular APR
8.5
Rewards
8
Benefits
8.8
Welcome Bonus
8
Recommended Credit Score: 8.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.7
Balance Transfer Fee: 9.5
ANNUAL FEE
$0 $0 $0
INTRO APR
0% for 12 months from account opening date 0% on Purchases and Balance Transfers for first 15 months 0% intro APR for 15 months
REGULAR APR
18.49% - 24.49% Variable 20.24%, 25.24%, or 29.99% Variable APR 19.99% - 29.99% (Variable)
WELCOME BONUS
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Earn a $200 cash rewards bonus after spending $500 in the first 3 months. Earn $50 Cash Back when you spend $100 in the first three months
REWARDS
You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services. Unlimited 2% cash rewards on purchases. Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.
BENEFITS
Purchase protection, Travel and emergency assistance services Cell phone protection, Access Luxury Hotel No annual fee, International use, Entertainment
CASH ADVANCE FEE / APR
5% (min $15) / 29.99% 5% (min $10) / 29.99% 5% (min $5) / 5%
BALANCE TRANSFER FEE
Either $5 or 5% of the amount of each transfer, whichever is greater Either $5 or 5% of the amount of each transfer, whichever is greater. 0% APR on Balance Transfers for 15 months, and then 19.99% - 29.99% Variable APR
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
3% 3% None
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
  • Travelers
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Rewards Points Enthusiasts
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
More Details Compare More Details Compare

Chase Ink Comparison

Ink Business Cash® Ink Business Unlimited® Ink Business Preferred®
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 unlimited 1.5% cash back on all purchases You get 3X on travel, shipping, internet, cable, and phone services. You also get 3X on advertising purchases made with social media sites and search engines. This applies to the first $150,000 in combined purchases each account anniversary.
Intro APR 12 months on purchases 12 months on purchases N/A
Add. cards Free Free Free
Annual fee $0 $0 $95

Chase Ink Login

Follow these easy steps:

Step 1. Go to the Login Chase Ink page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Chase Ink Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the Ink Business Cash® credit card below and get the answers you're looking for.

Can I Get Chase Ink Without a Business?

You must own a business to qualify for a Chase Ink business card. You'll need to provide your business tax ID when you apply. But you can use your Social Security number as your U.S. tax ID. For instance, if you're a freelancer or sole proprietor.

How can I redeem Chase Ink Cash rewards?

To redeem your Chase Ink Cash rewards, log on to your Chase account. Go to your Ink Business Cash Credit Card account. Click "Go to Ultimate Rewards." On the next page, pick how to use your points.

You can redeem points for cash, travel, gift cards or pay with points on Amazon.com.

What is the maximum credit limit on the Chase Ink Business Cash Card?

Chase doesn’t provide an official maximum credit limit on the Ink Business Cash. But, it could be $25,000 (or more) based on your credit, income, and other factors.

Is the Chase Ink Cash a Visa or Mastercard?

The Ink Business Cash® Credit Card is a Visa.

How do I contact Chase customer service?

Chase representatives are available through the Chase mobile app or by calling 1-800-935-9935.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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