Chase Ink Business Cash® Credit Card

Card Value & Chase Points Calculator

The Ink Business Cash® Credit Card is one of the best cash back business credit cards and best Chase credit cards available. It earns a 2%-5% return across several popular business categories, an awesome intro bonus, and has no annual fee.

Intro Bonus: Earn $900 bonus cash back

Rewards Rates

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

Current Intro Bonus

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Key Cardholder Benefits

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®

Rewards Value

Chase Ink Business Cash Points are worth 1 cent each when redeemed for cash back, statement credits, gift cards, and travel. This means that 10,000 points are equal to $100 in value.

Redemption Option Average Value (in cents)
Booking travel through Chase Ultimate Rewards 1
Redeeming points for cash back 1
Redeeming points for gift cards 1
Using points for purchases 0.8

You can obtain higher value towards travel redemptions by transferring your Chase Ink Business Cash Points to an Ultimate Rewards credit card that offers the ability to transfer points to Chase's travel partners or redeem them for travel through Chase Ultimate Rewards at increased value.

Those options would be:

Here are the point values you can obtain towards travel redemptions with each Ultimate Rewards credit card compared to the Chase Ink Business Cash:

Chase Point Value - Travel
Card Point Value
Chase Ink Business Cash 1 Cent
Chase Sapphire Preferred 1.25+ Cents
Ink Business Preferred 1.25+ Cents
Chase Sapphire Reserve 1.5+ Cents

Transfer Partners

Points earned with the Chase Ink Business Cash Credit Card and other Chase cash back credit cards can be transfered to the Chase Sapphire Preferred Card, Chase Sapphire Reserve, or Ink Business Preferred Credit Card. Points on those cards can then be transferred to Chase's airline and hotel partners.

Here's the list of Chase transfer partners:


Annual Fees

The Ink Business Cash Credit Card has a $0 annual fee and there is a $0 fee for adding additional employee cards.

Ink Points Calculator

Use the Chase Ink Business Cash Points Calculator to determine how many points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the Chase Ink Business Cash Card alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need ot re-enter spend when jumping to other credit card pages on the site.

NOTE: This calculator shows transfers to partners. Do note that you can not transfer points directly from the Chase Ink Business Cash Card to Chase's travel partners. You must first transfer your points to an Ultimate Rewards credit card that is capable of transferring points such as the Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.

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Earning Rate Comparison

Want to know how the Chase Ink Business Cash Credit Card stacks up against other cards in the family? Check out the table below!

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Is the Chase Ink Business Cash Card good?

Yes. It's one of the best no-annual fee business credit cards for small businesses looking to earn valuable rewards.

Which Chase Business card is the best?

This all depends on what categories your business spends the most in. You can use the calculator on our Best Chase Rewards Credit Cards page to find out which is best based on your spend, card benefits, and annual fees.

What bonus categories are on the Chase Ink Business Cash Card?

The card has a total of six bonus categories. You can earn 5% back on Internet, cable, phone, and office supply stores purchases and 2% back on restaurant and gas station purchases.

What benefits are offered on the Chase Ink Business Cash Card?

The Chase Ink Business Cash Card benefits such as auto rental collision damage waiver, roadside dispatch, purchase protection, and extended warranty protection.

Does the Chase Ink Business Cash Card have good offers?

The card typically offers between $500 and $750 back as a welcome bonus which can also be redeemed as 50,000 to 75,000 Ultimate Rewards Points. I recommend checking out all available offers for top business cards.

Can you transfer Chase Ink Business Cash points to airline and hotel partners?

Chase Ink Business Cash Points cannot be directly transferred to Chase's full list of airline and hotel partners. You will first need to transfer your points to a Chase Sapphire Preferred, Ink Business Preferred, or Chase Sapphire Reserve credit card in order to transfer points to all Chase partners.

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