Best travel credit cards

Chase Ink Business Cash Review

Best Business 5% cash back categories

on Chase's website

The Ink Business Cash card offers 5% cash back at office supply stores and on internet, cable, and phone services - high spend categories for many small businesses.

The card also has a big current sign-up bonus of $750 cash back.

And the card offers even more value when paired with the Ink Business Preferred and Ink Business Unlimited cards.

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Chase Ink Business Cash Benefits

Current welcome offer

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.

 

Rewards Rate

Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year:

  • At office supply stores
  • On internet, cable, and phone services

Earn 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at:

  • Gas stations
  • Restaurants

Unlimited 1% cash back on all other purchases with no limit to the amount you can earn.

 

Travel benefits

Keeping with the no annual fee, the travel benefits are limited.  This card may work well for some people when paired with the Chase Ink Business Preferred and Chase Sapphire Preferred.  The travel benefits of those cards can be leveraged, while using this card for the categories with 5% cash back.

The card comes with fraud protection and zero responsibility for unauthorized charges.

 

Foreign Transaction Fee

3% of each transaction in U.S. dollars

 

Annual Fee

No annual fee.

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Big Sign-up Bonus

The Chase Ink Business Cash has a current sign-up bonus of $750 cash back.  It's one of the largest sign-up bonuses across all credit cards.

It's even possible to increase that value by 25% - more on that later.

Chase Ink Business Cash - 5% Cash Back Categories

One of the big draws to the Chase Ink Business Cash card are the 5% cash back categories.  5% Cash back is a high earnings rate and the categories are popular among small businesses.

You'll earn 5% cash back on the first $25,000 spent in combined purchases each account year.

Here are the 5% Cash back categories:

  • At office supply stores
  • On internet, cable, and phone services
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Chase Ink Business Cash - 2% Cash Back Categories

The 2% cash back categories give even more ways to earn using the Chase Ink Business Cash credit card.  These are two more categories that are commonly high spend for small businesses.

Earn 2% Cash Back on the first $25,000 spent in combined purchases each account anniversary year at:

  • Gas stations
  • Restaurants

25% Increased Value

Chase makes it possible to increase the value of your points.  Here's how to increase the value of your points by 25%.

You'll need to get a Chase Ink Business Preferred or Chase Sapphire Preferred credit card.

These two cards can redeem points on the Chase Ultimate Rewards travel portal at 1.25 cents per point.

That's a 25% increase just by transferring the points to one of those accounts.

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Transfer points to Travel Partners

You can get even more value from your points by transferring them to Chase Travel Partners.  Again, you will need to have a Chase Ink Business Preferred or Chase Sapphire Preferred card and first transfer your points into one of those accounts.

 

Here's the full list of Chase travel transfer partners:

Airline Partners:

British Airways

Flying Blue

Jet Blue

Emirates

Singapore Airlines

Southwest Airlines

United

Virgin Atlantic

Aer Lingus

Iberia

 

Hotel Partners:

Hyatt

Marriott

IHG

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Advantages to having all three Chase Ink Business cards

Chase created the three Chase Ink Business Cards to work together.

The Chase Ink Business Cash has the high earning 5% and 2% categories.

The Chase Ink Business Preferred earns 3 points on select categories and has access to the travel portal at 1.25 cents per point and access to travel transfer partners.

The Chase Ink Business Unlimited earns 1.5% Cash Back on all purchases, a great card for all purchases not in a category on any card.

By using all three cards together you can maximize the value of your purchases and redemptions.

Plus, all three have big sign-up bonuses.

Chase Ink Business Cash - Final Thoughts

The Chase Ink Business Cash card is popular for its 5% and 2% cash back categories.  The big sign-up bonus provides $750 cash back and $937.50 when used on the Chase travel portal with a Chase Ink Business Preferred or Chase Sapphire Preferred card.

This card has a lot of value on its own with the high earning categories and big sign-up bonus.

Pairing it with the other two Ink Business cards gives even more options to increase the value you get from Chase Ink Business Cash.

Ink Business Cash

on Chase's website

Ink Business Preferrred

on Chase's website

Ink Business Unlimited

on Chase's website