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The Ink Business Cash® Credit Card features impressive cash back rates and an attractive sign-up bonus, so it's a natural choice to maximize your earnings. There are, however, spending caps on the bonus cash back you can earn with this business credit card, so it may not work if you have high expenses. Check out our Ink Business Cash® Credit Card review to learn about its pros and cons.
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
18.49% - 24.49% Variable
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 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Earn 5% cash back in select business categories
Annual Fee N/A
$0
Welcome Offer Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn up to $750 bonus cash back
A card with no annual fee and a 5% cash back rate on common spending categories for a savvy business owner? Chase delivers -- and you can even earn a particularly generous welcome bonus and enjoy travel and purchase protections with this card.
This credit card is a good fit for: Business owners with high monthly spending at office supply stores and on internet, cable, and phone services. Those who need time to pay off business expenses without incurring interest charges will also like this card's 0% intro APR.
The Ink Business Cash® Credit Card has a great cash back rate and several other valuable benefits.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. This is a much higher bonus when compared to most cash back cards. Since the Ink Business Cash® Credit Card has no annual fee, its $750 bonus offer is even more impressive.
This card has excellent cash back rates across several popular expense categories. Here's a breakdown of how much it earns:
There is no annual fee to use this card, which helps if you're aiming to avoid too many business expenses.
This card has a 0% intro APR on purchases for the first 12 months, which means you can use this card to finance business expenses. After the 12 months' intro period, a variable APR will apply. To avoid expensive interest charges, plan to pay off anything you finance within the intro period.
The Ink Business Cash® Credit Card includes a few complimentary coverages on eligible purchases you make with it:
Read more: Best Business Credit Cards for No Credit
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Ink Business Preferred® Credit Card | Ink Business Unlimited® Credit Card |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
Apply Now for Ink Business Unlimited® Credit Card
On Chase's Secure Website. |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 120,000 bonus points |
Welcome Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn $750 bonus cash back |
Rewards Program: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 3 points per $1 in select business categories |
Rewards Program: Earn unlimited 1.5% cash back on every purchase made for your business Earn unlimited 1.5% cash back on every purchase |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 12 months Balance Transfers: N/A |
Regular APR: 21.24%-26.24% Variable |
Regular APR: 18.49% - 24.49% Variable |
Annual Fee: N/A $95 |
Annual Fee: N/A $0 |
Highlights:
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Highlights:
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Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
Apply Now for Ink Business Unlimited® Credit Card
On Chase's Secure Website. |
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I have all three of the Chase Ink cards. They have outstanding welcome offers, so you can get a lot of upfront value with them. What I love in particular about the Ink Business Cash® Credit Card is the 5% bonus categories (office supply stores and internet, cable, and phone services, up to a $25,000 spending cap). It's not hard to spend big in those areas, especially if you live near any office supply stores. I think this card works best in combination with other business credit cards. You can use it for purchases in its bonus categories, and use a card with a higher flat rate on other purchases.
Interested in learning what other review sites and people on social media think about this card? Here's a summary of the comments.
Average competitor rating: 4.3 / 5 stars
This Chase business card is well-liked. Other credit card reviews highlighted its excellent welcome offer and bonus categories, especially its 5% categories. They also pointed out that office supply stores provide a lot more business spending opportunities than some people realize. These stores often have household goods and gift cards with popular merchants.
As far as criticisms go, the main one is the bonus spending cap. You'll earn 2% on up to $25,000 in purchases in this card's 2% categories, and the same limit applies with its 5% categories. For business owners with high spending, that may not be enough. Reviewers also mentioned the 3% foreign transaction fee, which makes this unsuitable as a travel card.
Multiple reviews said that the Ink Business Cash® Credit Card is most useful when paired with other credit cards. It's more of a team player than a card you use for a one-card wallet.
People on social media really like this Chase card. Some even think it's arguably the best Chase credit card. That's saying a lot, considering Chase has some of the most popular cards on the market.
The benefits that get mentioned most often are the 5% back categories, including the opportunity to earn that on your monthly phone bill, and the welcome offer. Cardholders also like the 0% intro APR on purchases.
We didn't find any notable criticisms of the Ink Business Cash® Credit Card on social media. But it's worth mentioning that a lot of the people who love this card are rewards enthusiasts. They don't exactly just use it for regular, everyday spending. They go to office supply stores specifically to buy gift cards for other places where they'll be spending money, such as Amazon. It's not entirely convenient, but it does allow you to make the most of this card's bonus opportunities.
This business card has a few areas where it could get better to compete with other top credit cards.
The $25,000 spending caps are low compared to many other business credit cards. If you have substantial business expenses, you may reach those caps and earn only the 1% cash back rate for the rest of the year. If you spend significantly more, you'd be missing out on the chance to earn more rewards using a different business card with higher spending caps.
One of the few perks this card lacks is a 0% intro APR on balance transfers. If you have existing credit card debt, you won't be able to take advantage of a 0% intro offer by transferring the debt over to this card.
RELATED: See The Ascent's guide to the best cash back business credit cards.
The Ink Business Cash® Credit Card charges a foreign transaction fee of 3% of each transaction in U.S. dollars. If you take any trips outside the United States, you'll need a different card that doesn't have this type of fee, such as a travel rewards card.
Read more: Best Business Credit Cards for Startups
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
It's recommended to have a FICO® Score of 670 or above before applying for the Ink Business Cash® Credit Card, though there's no set credit score requirement.
Since this is a business credit card, you need a business to get it. But card issuers are flexible regarding what kinds of businesses they accept. You could apply with any for-profit venture you have, such as freelance work or selling products online. Your business doesn't even need to have any profits yet, and you can apply with your personal Social Security number.
Chase's 5/24 rule is a factor to consider before applying for this card. This rule refers to Chase's typical policy of rejecting applications from consumers who have opened too many credit cards within 24 months. Before applying, make sure this rule won't hurt your chances of approval.
LEARN MORE: A Guide to Chase's 5/24 Rule
A FICO® Score of 670 or higher is recommended when applying for the Ink Business Cash® Credit Card. While this is a business credit card, your personal credit score is still an important factor in the application process. Approved applicants typically have good or excellent credit.
Chase has an online pre-approval tool, but it's sometimes unavailable. When it's up and running, you can check if you're pre-approved for Chase cards by providing basic information about yourself. Chase will then show you any pre-approval card offers it has for you, which may or may not include the Ink Business Cash® Credit Card.
The Ink Business Cash® Credit Card has a 0% intro APR on purchases for 12 months. If you need time to pay off business expenses, this card is a good way to avoid interest charges during the intro APR period.
Here are the fees for the Ink Business Cash® Credit Card:
The minimum starting credit limit for the Ink Business Cash® Credit Card is $1,100, according to the pricing and terms. Your credit limit is based on several factors, including your income and credit history, and many cardholders receive limits of $5,000 to $10,000 or more. Chase may request additional information for limits above $25,000.
The Chase Ink cards all work well together. While the Ink Business Unlimited® Credit Card and the Ink Business Preferred® Credit Card are both good alternatives to this one, they're even better partners. Here's why:
Capital One Spark business cards are another option. If you get the Capital One Spark 2% Cash Plus, you could use it to earn 2% cash back on all your purchases that wouldn't earn a bonus with the Ink Business Cash® Credit Card.
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has similar perks to this Chase card. They're both no annual fee cash back cards. Either one could earn you plenty of cash back on your business expenses. Here's how they compare in the most important areas.
This one's an easy win for Chase. The Ink Business Cash® Credit Card has a welcome offer of up to $750 bonus cash back. You earn $350 when you spend $3,000 on purchases in the first three months. You also earn another $400 when you spend $6,000 on purchases in the first six months.
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has a $300 cash rewards bonus offer. You earn it after making $3,000 in purchases in the first 90 days. It's not bad, but Chase offers much more.
We've gone over how much the Ink Business Cash® Credit Card earns. Here's how much you earn with the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card:
You'll earn 2% and 3% back on your first $50,000 in spending combined across those categories per calendar year.
Chase offers more cash back potential, since it maxes out at 5% back. But Bank of America lets you choose your 3% category. It all depends on whether you like the Ink Business Cash® Credit Card's 5% categories, or if you prefer the flexibility you get with Bank of America.
Here's another easy one. With the Ink Business Cash® Credit Card, the 0% intro APR applies to purchases and lasts for 12 months. The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card also has a 0% intro APR on purchases, but it lasts for nine billing cycles. At the end of nine billing cycles, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's go-to 18.49% - 28.49% (Variable) APR goes into effect.
Since this card has no annual fee, anybody could save money with it. But there are a few situations, in particular, where it works particularly well.
If your business spends heavily on office supplies, this Chase card's bonus categories will be right up your alley. A 5% cash back rate is the highest I've seen for office supply stores. If you max that out by spending $25,000 per year, that's $1,250 in cash back.
While the Ink Business Cash® Credit Card is fine on its own, it really shines as part of a multi-card wallet. You can pay with it whenever you'll earn 2% or 5% back. For the rest of your spending, you can use a card with different bonus categories, or one that earns a flat-rate of 1.5% or 2% back.
Need the fastest internet you can get? Or are you paying for company cellphone lines for several employees? In either case, this card's 5% cash back rate will help you earn much more back on these monthly expenses.
You're looking for a no annual fee card and the bonus categories fit your business's spending needs. The Ink Business Cash® Credit Card is one of the most versatile business cards, so it's also a great choice if you want to earn a big bonus or finance business expenses with a 0% intro APR.
The major drawback to keep in mind is the $25,000 spending caps on the card's bonus categories. If your business runs up bigger monthly bills, you might need to look at more credit card reviews to find a card with higher spending caps -- or no caps at all. That way, you won't miss out on the chance to earn additional credit card rewards.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
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https://creditcards.chase.com/business-credit-cards/ink/business-preferred
https://creditcards.chase.com/business-credit-cards/ink/unlimited
https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/
Competitor ratings: We averaged ratings from Bankrate, Forbes, Nerdwallet, The Points Guy, and WalletHub.
According to Chase, the minimum credit limit for the Ink Business Cash® Credit Card is $3,000. Spending limits above $25,000 may require additional review.
Yes, the Ink Business Cash® Credit Card offers fraud protection in the form of real-time fraud monitoring and account alerts. Plus, the Ink Business Cash® Credit Card has zero liability protection. That means you won't be responsible for unauthorized or fraudulent charges made with your card.
Yes, any business owner can apply for the Ink Business Cash® Credit Card. This includes established businesses, startups, and freelance businesses.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Visa.