Ink Business Cash Card Calculator

Card Details & Chase Cash Back Calculator
Cash Back on first $25,000 combined spend for both 5% Cash Back Category (Excludes Lyft) & 2% Cash Back Category
5% Office Supply Stores
5% Cable Services
5% Internet Services
5% Phone Services
5% Lyft
2% Gas Stations
2% Restaurants

Review the benefits of the Chase Ink Business Cash Card, calculate how much cash back you can earn based on spend, and compare results against top cards.


The Chase Ink Business Cash Card is loaded with great bonus categories that benefit just about any type of business. Office supply stores, internet services, phone services, and gas stations is just a few of the bonus categories that will net you extra cash back. And to make matters better, if you have an Ultimate Rewards Point earning card such as the Chase Sapphire Preferred or Chase Ink Business Preferred, you can earn points instead of cash back. Ultimate Rewards Points has a lot of redemption options including statement credit, gift cards, and being transfer to over 10+ transfer partners including United Airlines and Marriott Bonvoy.

Bonus Categories

The Chase Ink Business Cash Card features seven categories that earns bonus cash back. The card earns bonus cash back across internet services, cable services, phone services, office supply stores, restaurants, and gas station purchases. The 5% categories have a $25,000 yearly combined spend cap and the 2% categories also have a yearly combined spend cap. Once you hit the cap in the 5% or 2% category, that particular category will earn 1% cash back for the remainder of the year.

The Chase Ink Business Cash Card also features Lyft as a 5% bonus category. There is no cap on the amount of bonus cash back you can earn spending with Lyft.

  • 5% Internet
    • Part of the of $50,000 combined cap for 5% categories.
  • 5% Cable
    • Includes satellite television.
    • Part of the of $50,000 combined cap for 5% categories.
  • 5% Phone
    • Includes:
      • Radio
      • Cellular
      • Wireless Data
      • Landline Services
    • Part of the of $50,000 combined cap for 5% categories.
  • 5% Office Supply Stores
    • Part of the of $50,000 combined cap for 5% categories.
  • 5% Lyft
    • Lyft is not part of the combined cap; earnings for Lyft is unlimited.
  • 2% Restaurant
    • Part of the of $50,000 combined cap for 2% categories.
  • 2% Gas Station
    • Part of the of $50,000 combined cap for 2% categories.
  • 1% Non-Category

Perks & Benefits

The Chase Ink Business Cash Card does not have any perks or benefits specific to the card itself, but it does offer your usual Chase travel and purchase coverage.

Sign Up Bonus (SUB)

The standard Chase Ink Business Cash Card signup bonus is $500 Cash Back after you spend $3,000 on purchases in the first 3 months after account opening. This is a pretty nice bonus considering it only requires $3,000 in spend.

In terms of Ultimate Rewards Points, this is equal to 50,000 Ultimate Rewards Points which will be worth at least $500 or $750 depending on which Ultimate Rewards Points earning card you have. This is also worth 50,000 airline miles or 50,000 hotel points when transferred to Chase's airline and hotel partners.

Fees

Annual Fee

There is no annual fee for the Chase Ink Business Cash Card which is quite awesome consider the high earning rates the card offers on spend across the featured bonus categories.

Authorized User Fees

There is no fee to add authorized users to the Chase Ink Business Cash Card. I highly recommend adding employees, family, or friends to the Ink card to help build cash back and/or points.

Foreign Transaction Fee

The Chase Ink Business Cash Card has a 3% foreign transaction fee. Using this card for international purchases would eat away at your rewards making it a bad choice for international travel.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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