Chase Ink Business Cash card evaluation: A highest-ever bonus worth $900 and up to 5x rewards with no annual fee

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Between offering its best welcome bonus to date, further rewards in useful courses, and ongoing benefits like essential car rental insurance coverage protection and purchase security, the Ink Business Cash® Credit Card is a superb no-annual-fee cash-back business credit card for small-business owners. 

Review: Is the Chase Ink Business Cash credit score rating card finest for you?

There are quite a few credit cards for business owners to choose from, nevertheless rarely will we see a welcome bonus provide this worthwhile — significantly from a card with no annual fee. The Ink Business Cash® Credit Card is now offering its highest welcome bonus to date — you may give you the option to earn Ink Business Cash® Credit Card. But this provide is solely obtainable for a restricted time, so now’s the time to apply. 

Along with an infinite welcome bonus, the Ink Business Cash® Credit Card has strong 5x and 2x bonus courses and easy-to-use rewards, so it’s worth conserving for the long term. 

If you spend heaps throughout the bonus courses, the Ink Business Cash® Credit Card is especially helpful. Beyond the considerable incomes potential, it comes with purchase and extended assure security and essential rental car insurance coverage protection when you lease for enterprise capabilities. It’s unusual to see these benefits on cards with no annual fee.

 Before you resolve on the Ink Business Cash® Credit Card, you may need thought of making an attempt to ponder the Ink Business Unlimited℠ Credit Card as correctly — significantly if you do not want to keep observe of bonus courses. It’s offering the an identical monumental new welcome bonus (moreover for a restricted time), earns 1.5% cash once more (1.5x components) on all purchases with no caps, and wouldn’t price an annual fee.

If you don’t ideas paying a Ink Business Preferred® Credit Card annual fee, the Ink Business Preferred® Credit Card has a good elevated welcome bonus provide. You can earn Ink Business Preferred® Credit Card, and having this card unlocks more options for redeeming your Chase Ultimate Rewards® points.

We’re focused proper right here on the rewards and perks that come with each card. These enjoying playing cards won’t be worth it for many who’re paying curiosity or late costs. When using a credit score rating card, it’s important to pay your stability in full each month, make funds on time, and solely spend what you may give you the option to afford to pay.

How to earn rewards from the Ink Business Cash card

With the Ink Business Cash® Credit Card, you might earn bonus components for payments collectively with office gives, net, gasoline, and consuming. The bonus courses are designed with small corporations in ideas, collectively with: 

  • 5% cash once more (5 Chase Ultimate Rewards components per dollar) on the first $25,000 spent (then 1x) in blended purchases at office present outlets and on net, cable, and cellphone suppliers each account anniversary 12 months
  • 2% cash once more (2 Chase Ultimate Rewards components per dollar) on the first $25,000 spent (then 1x) in blended purchases at gasoline stations and consuming locations each account anniversary 12 months 
  • 1% cash once more (1 Chase Ultimate Rewards stage per dollar) on all completely different purchases with no cap

Even though the card is marketed as a cash-back credit card, you might actually earn Chase Ultimate Rewards components, which can be worth 1 cent each when you redeem them for cash once more, reward enjoying playing cards, or travel through the Chase travel portal.

So you might be efficiently incomes 1 cent per dollar (1% cash once more) spent in non-bonus courses, and 2 cents or 5 cents per dollar (2% or 5% cash once more) in eligible bonus courses. Your components accrue in your card account and by no means expire as long as the account is open. 

You shouldn’t have to redeem your components for cash once more — and you might have far more redemption decisions while you’ve obtained positive completely different Chase credit cards.

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How to use Chase Ultimate Rewards components

Chase makes it extraordinarily simple to redeem your Chase Ultimate Rewards points. Just entry your account on-line and navigate to the rewards net web page. There, you may even see decisions to information journey, purchase reward enjoying playing cards, get a press launch credit score rating, or deposit cash into your checking account. 

Remember, your components are worth 1 cent each for these decisions. 

You’ll moreover see that you must use your components for Apple merchandise or on Amazon. If you redeem for Apple merchandise, you might normally get a fee of 1 cent per stage. But each stage is worth decrease than 1 cent as soon as you utilize them to shop on Amazon, which is a poor worth. Amazon makes it simple (and tempting) to use your components this fashion, nonetheless it is usually the worst deal of all of them. The best redemptions are to pay in your subsequent journey or simply get cash straight in your account. 

If you should have completely different Chase enjoying playing cards that earn Chase Ultimate Rewards components, similar to the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you may give you the option to combine all your points with a form of accounts. From there, you may give you the option to transfer to Chase’s airline and hotel partners the place your components are potentially worth much more

You’ll even have entry to the Chase Pay Yourself Back perform, the place you may give you the option to redeem components for a higher worth in the direction of eligible regularly purchases (counting on the card you should have).

Having multiple Chase Ultimate Rewards cards is a superb method that permits you to benefit from plenty of fully completely different bonus courses. For occasion, the Chase Sapphire Preferred® Card earns bonus components on journey and consuming. So you might use the Chase Sapphire Preferred® Card in your journey and consuming purchases, and use your Ink Business Cash® Credit Card to pay for purchases at office present outlets, and for gasoline, cellphone, cable, and net bills — and then combine all your components collectively and change to journey companions by means of your Chase Sapphire Preferred® Card.

Savvy vacationers like to pair Chase Ultimate Rewards cards to maximize the value of their points, nevertheless you positively shouldn’t have to. If you want to keep it straightforward, the strong bonus courses from the Ink Business Cash® Credit Card are ample on their very personal for cash-back rewards. Just know that if you want to “level up” down the road, together with one different Chase Ultimate Rewards card is an environment friendly alternative. 

Benefits and choices

Introductory 0% APR on purchases

The Ink Business Cash® Credit Card affords a Ink Business Cash® Credit Card (then a Ink Business Cash® Credit Card APR). This is useful for small corporations which have a wide range of huge payments coming up — you may give you the option to repay the acquisition over time with out getting hit with huge curiosity bills.

Primary rental car insurance coverage protection

The Ink Business Cash® Credit Card can forestall quite a few money when you’re on the road. You’ll get primary rental car insurance when you lease for enterprise capabilities, waive the rental agency’s collision insurance coverage protection, and price the entire rental worth to your card. 

This is a superb perk for a no-annual-fee card that covers reimbursement throughout the event of theft or collision hurt for a lot of leases throughout the US and abroad. Keep in ideas obligation insurance coverage protection shouldn’t be included, so you might have to pay for that individually or have your particular person safety by the use of your personal protection.

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Purchase security 

When you utilize your Ink Business Cash® Credit Card, you might get purchase protection and extended assure security, which is especially useful for big-ticket devices like copiers, televisions, or pc programs. These choices alone can save what you might be selling some large money should you ever need to use them. 

With purchase security, new purchases are coated for 120 days from hurt or theft up to $10,000 per declare and $50,000 per account.

Extended assure

Extended assure security extends a US producer’s assure by an additional 12 months on warranties of three years or a lot much less as soon as you utilize your Ink Business Cash® Credit Card to pay for an eligible merchandise.

Travel and emergency assist

If you finish up needing help all through your travels, you may give you the option to identify for emergency assist as part of your travel benefits. You’ll have to cowl the value of any suppliers rendered, nonetheless it is helpful for arranging help when you’re in an unfamiliar place. 

Roadside dispatch

You can also ask for roadside dispatch for points like a tow, leaping a ineffective battery, or fuel. Again, you might be accountable for the value of the service, nevertheless your benefits administrator will coordinate in your behalf. 

Zero-liability and fraud security

The Ink Business Cash® Credit Card comes with protection against fraud and unauthorized bills made to your account. You can set alerts that monitor your account activity and set how and when you get hold of them.

Should one thing happen with your card or account information, zero obligation means you won’t be responsible for any charges made with out your information. 

Fees and costs

There’s a $0 annual fee with the Ink Business Cash® Credit Card, so nothing to worry about there — the card (and all employee enjoying playing cards) are free to keep for as long as you want. 

This card does have a abroad transaction fee (3% of each transaction) so it’s best not to use it abroad, nevertheless there are numerous credit cards with no foreign transaction fees to use as an alternative.

Comparison: Chase Ink Business Cash vs completely different Chase enterprise enjoying playing cards

 

Ink Business Cash® Credit Card

Ink Business Unlimited℠ Credit Card

Ink Business Preferred® Credit Card

Annual fee

Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Preferred® Credit Card

Rewards fee

5% cash once more (5x components) at office present outlets and on net, cable, and cellphone suppliers***

2% cash once more (2x components) at gasoline stations and consuming locations***

1% cash once more (1x components) on all completely different purchases

1.5% cash once more (1.5x components) on all eligible purchases with no cap

3x components on supply purchases, selling purchases on social media web sites and search engines like google and yahoo like google, net, cable, and cellphone suppliers, and journey*

1x components on all completely different purchases

Welcome bonus provide

Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Preferred® Credit Card

Card benefits

Primary car rental insurance coverage protection (when renting for enterprise capabilities)

Extended assure

Purchase security

Travel and emergency assist suppliers

Roadside dispatch

Ink Business Cash® Credit Card, then a Ink Business Cash® Credit Card

Primary car rental insurance coverage protection (when renting for enterprise capabilities)

Extended assure

Purchase security

Travel and emergency assist suppliers

Roadside dispatch

Ink Business Unlimited® Credit Card, then a Ink Business Unlimited® Credit Card

Cell phone protection

Primary car rental insurance coverage protection (when renting for enterprise capabilities)

Trip cancellation/interruption insurance coverage protection

Extended assure

Purchase security

Travel and emergency assist suppliers

Roadside dispatch

No abroad transaction costs

Review

 

Chase Ink Business Unlimited card review

Chase Ink Business Preferred card review

*5% cash once more and 2% cash once more on the Ink Business Cash® Credit Card on up to $25,000 in blended purchases yearly, then 1% cash once more.

**3x components on the Ink Business Preferred® Credit Card on up to $150,000 in blended purchases yearly, then 1x.

Chase Ink Business Cash vs completely different small-business enjoying playing cards

 

Ink Business Cash® Credit Card

American Express Blue Business Cash™ Card

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Annual fee

Ink Business Cash® Credit Card

American Express Blue Business Cash™ Card

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Rewards fee

5% cash once more (5x components) at office present outlets and on net, cable, and cellphone suppliers***

2% cash once more (2x components) at gasoline stations and consuming locations***

1% cash once more (1x components) on all completely different purchases

2% cash once more on the first $50,000 spent on eligible purchases yearly, then 1% (cash once more is obtained inside the kind of a press launch credit score rating)

5% cash once more on pay as you go lodges and car leases booked straight throughout the US Bank Travel Rewards Center

3% cash once more at gasoline and EV charging stations

3% cash once more at office present outlets

3% cash once more on cell phone service suppliers

3% cash once more at consuming locations

1% cash once more on all completely different eligible purchases

Welcome bonus provide

Ink Business Cash® Credit Card

American Express Blue Business Cash™ Card

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Card benefits

Primary car rental insurance coverage protection (when renting for enterprise capabilities)

Extended assure

Purchase security

Travel and emergency assist suppliers

Roadside dispatch

Ink Business Cash® Credit Card, then a Ink Business Cash® Credit Card

Extended assure

Purchase security

Secondary car rental insurance coverage protection

Global Assist Hotline

Discounts and bonuses by the use of Amex Offers**

American Express Blue Business Cash™ Card, then a American Express Blue Business Cash™ Card

$100 annual software program program credit score rating

World Elite Mastercard benefits

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®, then a U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® APR

Review

 

Amex Blue Business Cash card review

US Bank Business Triple Cash Rewards card review

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*5% cash once more and 2% cash once more on the Ink Business Cash® Credit Card on up to $25,000 in blended purchases yearly, then 1% cash once more.

Like completely different enjoying playing cards, there are moreover costs for stability transfers, cash advances, and late or returned funds. The card bills an APR of Ink Business Cash® Credit Card.

Chase Ink Cash steadily requested questions (FAQ)

Is the Chase Ink Business Cash card worth it? 

The Ink Business Cash® Credit Card is worth it for small-business owners seeking a cash-back enterprise card with no annual fee and extreme rewards incomes. Moreover, it’s presently offering an infinite new welcome bonus provide of Ink Business Cash® Credit Card, nevertheless only for a restricted time. 

However, if what you might be selling wouldn’t sometimes spend throughout the card’s bonus incomes courses, then you definately definately’d be larger off with a definite enterprise rewards card, similar to the Ink Business Unlimited℠ Credit Card, which earns 1.5% once more (1.5x components) on all eligible purchases.

What credit score rating score is required for the Chase Business Ink Cash card?

Most individuals who qualify for the Ink Business Cash® Credit Card have a good to excellent credit score rating score (FICO score of on the very least 670).

Who is eligible for the Chase Ink Cash? 

The Chase 5/24 rule impacts your functionality to qualify for Chase financial institution playing cards. If you have obtained opened 5 or further enjoying playing cards contained in the earlier 24 months (collectively with non-Chase enjoying playing cards) then you definately definately won’t have the choice to get accredited for an extra Chase card, collectively with the Ink Business Cash® Credit Card, whereas in a “blackout period”. 

To qualify for a small-business card similar to the Ink Business Cash® Credit Card, it’s your decision to have some sort of enterprise — nonetheless it will not have to be a full-time enterprise or LLC. Side-gigs and part-time corporations like Uber driving, freelancing, renting your personal dwelling on Airbnb, or reselling on eBay can all make you eligible for a small-business card.

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