Ink Business Cash Credit Card

Robin Saks Frankel  in  Business How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Excellent (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
0% Intro APR on Purchases for 12 months
Balance Transfer Intro APR:
0% Intro APR on Balance Transfers for 12 months
Regular APR:
15.24% - 21.24% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

The information about the Ink Business CashSM credit card has been collected independently by and has not been reviewed or provided by the card issuer.

Editor’s note: This offer may have expired or no longer be available.

The no-annual-fee Ink Business Cash Credit Card will reward you for spending in the areas you’ll most likely need to get your business off the ground and gives you a full year break on interest for purchases and balance transfers.

Who couldn’t use a little breathing room when launching a new venture?


If you’re just starting out and you aren’t sure what your spending patterns will be, the Ink Business Cash Credit Card may be the flexible rewards card you need. It’s among our favorite business credit cards.

This Chase-issued card offers a generous 5% cash back on the first $25,000 spent per account anniversary year in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services. You’ll earn 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants. All other purchases earn 1%.

Worried about start-up costs?

The 0% introductory APR for the first 12 billing cycles will give you a chance to hit the pause button on big bills and buy a high-ticket item without racking up the interest charges. After the intro offer expires, your APR will be 15.24% – 21.24% based on your creditworthiness.

And, earn a one-time $500 cash bonus once you spend $3,000 on purchases within the first three months from account opening. Among the top business cards on our list, that’s the best sign-up bonus on a card that charges no annual fee.

But if you think you might use this card for international spending or travel, don’t. Use one that doesn’t charge a foreign transaction fee.

Who should get this card

For small business owners who spend under $25,000 a year, and mostly on typical office stuff, this card makes sense.

  • Get a one-time $500 cash bonus once you spend $3,000 on purchases within the first three months from account opening.
  • Bonus points categories are in areas small businesses are likely to spend the most.
  • Not a great choice if you have a lot of travel expenses as the rewards rate on these purchases are 1 Ultimate Reward point per $1.
  • Other business cards offer higher sign-up bonuses.
  • Foreign spending will incur a hefty 3% transaction charge.

Fees and APR

  • Enjoy 0% APR for 12 billing cycles on purchases and balance transfers. After that it’s a variable 15.24% – 21.24%.
  • You’ll pay no annual fee.
  • Balance transfers are 5% of the amount being transferred.
  • You’ll be charged a 3% foreign transaction fee on all purchases made outside the U.S.

Extras, perks and using points

Receive extra employee cards at no additional cost. You can also sign up for instant purchase alerts to help keep tabs on employee spending.

This card comes with auto collision insurance, purchase protections and lost luggage reimbursement.

To redeem your Chase Ultimate Rewards for cash back, log into your Chase account and select “Redeem rewards.” You can use your rewards as a statement credit or to buy gift cards through the Chase site.

If you own a Chase Sapphire Preferred Card or Chase Sapphire Reserve, you can transfer your rewards from the Ink card to one of those cards where they can be used to book travel through the Chase portal at an increased redemption value.