Earning Rates

The Ink Business Cash Card earns Ultimate Rewards points that can be redeemed for cash back and other rewards. It earns points at the following rates:

  • 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.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other purchases–with no limit to the amount you can earn.

Rewards Value & Calculator

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Key Benefits

Here are the main highlights of the Ink Business Cash Card:

  • More Purchasing Power: As a Chase cardmember, you'll be automatically checked for a credit line increase every 6 months or sooner.
  • Travel & Purchase Coverage: Auto Rental Collision Damage Waiver, Roadside Dispatch, Purchase Protection, and Extended Warranty Protection.

Transfer Partners & Conversion Calculator

Points earned with the Ink Business Cash cannot be transferred directly to other programs, but you can transfer them to an eligible Ultimate Rewards credit card first and then transfer them to Chase's airline and hotel partners.

Eligible cards include:

This means that pairing the Ink Business Cash with any of the cards above will allow you to redeem your points for high value towards travel. This can easily make your points worth 1.25 cents or more per point!

Fees

Annual Fee

The Ink Business Cash Card has a $0 annual fee.

If your business frequents office supply stores, you can't beat the 5% earnings of this card.

Authorized User Fee

There is no fee to add additional users to the Ink Business Cash Card. Adding employee cards can help you earn rewards faster.

Foreign Transaction Fee

The Ink Business Cash Card has a 3% foreign transaction fee. That makes this a very bad choice for international spending and travel.