The Chase Ink Business Cash® Credit Card is one of the best cash back business credit cards in the market and one of the best Chase credit cards available.
It earns a whopping 5% back on up to $25,000 in spend per year between Internet, cable, phone, and office supply store purchases and 2% back on up to $25,000 in spend per year between restaurant and gas station purchases.
Cash back earned with the card is recorded as points which are worth 1 cent each when redeemed for cash back, but can be worth a significant amount more if you have an Ultimate Rewards credit card tied to the same account.
Card Details At-A-Glance
| Issued By | |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee |
Bonus Categories
- 5% Office Supply Stores
- 5% Internet
- 5% Cable Services
- 5% Phone Services
- 2% Restaurant
- 2% Gas Station
- 1% Everything Else
The 5% categories (office supply stores, internet, cable services, and phone services) share an annual bonus cap of $25,000 in spend per year. Once you hit this cap, you'll earn at the non-category rate of 1% for the remainder of the year for all four categories.
The 2% categories (restaurant and gas station) share an annual bonus cap of $25,000 in spend per year. Once you hit this cap, you'll earn at the non-category rate of 1% for the remainder of the year for both categories.
As part of the Chase-Lyft Partnership, the Chase Ink Business Cash Card also earns 5% on Lyft purchases until March 2025.
5% Office Supply Stores
The Chase Ink Business Cash Card earns 5 Ultimate Rewards Points per $1 spent at office supply stores.
5% Internet
The Chase Ink Business Cash Card earns 5 Ultimate Rewards Points per $1 spent on Internet purchases.
5% Cable Services
The Chase Ink Business Cash Card earns 5 Ultimate Rewards Points per $1 spent on cable services. This includes satellite television.
5% Phone Services
The Chase Ink Business Cash Card earns 5 Ultimate Rewards Points per $1 spent on phone services. This includes:
- Radio
- Cellular
- Wireless Data
- Landline Services
2% Restaurant
The Chase Ink Business Cash Card earns 2 Ultimate Rewards Points per $1 spent on restaurant purchases.
2% Gas Station
The Chase Ink Business Cash Card earns 2 Ultimate Rewards Points per $1 spent on gas station purchases.
1% Everything Else
All other purchases on the Chase Ink Business Cash Card will earn 1 Ultimate Rewards Point per $1 spent.
Card Benefits
- Auto Rental Collision Damage Waiver
- Travel and Emergency Assistance Services
- Roadside Dispatch
- Purchase Protection
- Extended Warranty Protection
Ink Points 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 Amazon.com purchases | 0.8 |
Chase Ink Business Cash Points are worth 1 cent each when redeemed for cash back, statement credits, gift cards, and travel.
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.
Here are the point values you can obtain towards travel redemptions with each Ultimate Rewards credit card compared to the Chase Ink Business Cash:
| Card | Point Value |
|---|---|
| Chase Ink Business Cash | 1 Cent |
| Chase Sapphire Preferred | 1.25+ Cents |
| Chase Ink Business Preferred | 1.25+ Cents |
| Chase Sapphire Reserve | 1.5+ Cents |
If you're looking to earn Ultimate Rewards Points on your personal expenses, you can pair the Ink Business Cash Card with the Chase Sapphire Preferred or Chase Sapphire Reserve to get an easy value of 1.25 or 1.5 cents per point.
This significantly bumps up the value of the points earned with the Ink Business Cash Card. For example, the 5X points you earn across phone, internet, cable, and office supply stores that is normally a 5% return would now be a 6.25% or 7.5% return.
That's a big increase per dollar spent.
If you're sticking to business cards, you can also pair the Chase Ink Business Cash with the Chase Ink Business Preferred.
While the cards do have overlapping categories, you'll be able to redeem your points for a higher value towards travel. You would use the Chase Ink Business Cash for all of it's 5X categories and the Chase Ink Business Preferred for travel, shipping, and advertising.
You can even add in the Chase Ink Business Unlimited Credit Card for the 1.5% back on all other purchases which is a higher return than the 1X you'll get with the Ink Business Preferred and Ink Business Cash.
Chase 5/24 Rule
If you've opened up more than 5 new accounts in the last 24 months, it may be hard to get approved for the Chase Ink Business Cash and other Chase credit cards. This includes any kind of new account and not just new credit card accounts.
If you're unsure of how many accounts you've opened up in the last 24 months, you can use Credit Karma to check for free without hurting you credit score.
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.
FAQ
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 Business 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.
