Best business cash-back card
Even if your business does not have a lot of travel expenses, there are still so many ways to take advantage of travel rewards cards. With no annual fee, the Ink Business Cash card offers generous returns on a broad spectrum of office expenses like supplies, internet, cable and phone services (Partner offer).
At a glance
- 5% 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
- 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
At a glance
- 5% 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
- 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- 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 purchases
- 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®
- 0% introductory APR for 12 months on purchases
Why We Like It
TPG Editor's Rating
Overview
The Chase Ink Business Cash is the second of three business cards that Chase offers. A very strong 5% cash back on purchases at office supply stores, internet, cable and phone service providers gives a tremendous amount of flexibility and cash back opportunity.
Pros
- The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories.
- There is no annual fee, which is perfect for small business owners
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services up to $25,000 in combined purchases each account anniversary year. Plus, you’ll earn 2% cash back at gas stations and restaurants, up to $25,000 in combined purchases each account anniversary year.
Cons
- 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
Who is this card good for?
The Ink Business Cash Card is a solid choice for any small business that makes purchases at office supply stores and internet, cable and phone service providers. But the card tends to be particularly appealing to new business owners, since there’s no annual fee. Because you can earn cash-back rewards initially and then transfer your rewards to Ultimate Rewards points if you also have a personal or business card — like the Chase Sapphire Preferred — that earns Chase Ultimate Rewards points, the Ink Business Cash Card offers more redemption options than a cash-back card.
Earning Rewards
With the Ink Business Cash Card, you’ll earn 5% cash back on the first $25,000 you make in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services. Plus, you’ll earn 2% cash back on the first $25,000 you make in combined purchases at gas stations and restaurants each account anniversary year. You’ll earn 1% cash back on all other purchases, including on spending over $25,000 each account anniversary year in the 5% and 2% categories.
Frequently asked questions
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How can I redeem cash back with the Ink Business Cash card?
You can redeem cash-back rewards for cash as a statement credit or deposit, gift cards and travel. If you have other Chase cards that earn Chase Ultimate Rewards points, you can convert your cash-back rewards to Chase Ultimate Rewards points and redeem that way.
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Is the Ink Business Cash Card worth it?
The Ink Business Cash card is great de to its earning potential. You can earn 5% backon the first $25,000 in purchases related to office supplies, phone, internet and cable tv. You also earn 2% cash back on the first $25,000 spent in purchases at gas stations and restaurants. If you max out on these categories you could earn around $1,750 in cash back rewards.
