Skip to Main Content

Ink Business Cash® Credit Card review: The perfect business card to start small



Bankrate rating
Rating: 4.4 stars out of 5

Bottom line

If your spending habits line up with the Chase Ink Business Cash card’s bonus categories, it could be a very rewarding and flexible business rewards card.

Image of Ink Business Cash® Credit Card
Apply now Lock
on Chase's secure site


Ink Business Cash® Credit Card

Rewards rate

1% - 5%

Annual fee


Intro offer


Regular APR

17.74% - 23.74% Variable

Recommended Credit Score

Good to Excellent (670 – 850)

Ink Business Cash® Credit Card Overview

If your small business spends a fair amount on office supplies and telecommunications services, the Ink Business Cash Credit Card is probably a great fit for you. Although the card’s maximum cash back rate only applies to the first $25,000 spent in bonus categories, Chase offers categories that are consistent with the majority of most businesses’ expenditures.

With features like a 0 percent introductory APR on purchases for 12 months (17.74 percent to 23.74 percent variable APR thereafter) and no annual fee, it’s clear that this Chase business credit card can offer a respite for businesses with irregular cash flows.

Not every business is identical though. Consider how you spend your money before applying because this card may be a great choice for office-based businesses, but it might be a poor fit for another type of business.

What are the pros and cons?


  • Checkmark

    Introductory APR offer on purchases can help small businesses get off the ground quicker and improve cash flow

  • Checkmark

    No annual fee makes this a fantastic choice for small business owners wanting a low-cost business rewards card

  • Checkmark

    Flexible redemption options are a unique feature when compared to other small-business credit cards


  • Total boosted rewards are capped at $50,000 per year, so depending on the size and scope of your business, you may need more than one business card or a different card altogether to fully maximize rewards

  • Foreign transaction fees are 3 percent on this card, so if you or your employees will be traveling overseas, then a business card with no foreign transaction fees might be more suitable