Edited by: Stella Shon
& Kellie Jez
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
Good to Excellent (670-850)
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
(at Chase's secure site)
The Ink Business Cash has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and
The Ink Business Cash card is well worth it for small business owners with expenses that fall within the 5% and 2% back categories. Keep in mind, though, that these returns are capped at $25,000 in combined purchases for each category. So if your business expenses are much larger, you may want to consider supplementing the Ink Business Cash card with additional rewards cards to further maximize your rewards.
However, if your business spend needs meet the $25,000 threshold for the 5% category, you could be earning, at minimum, $1,250 in cash-back each and every year, all from a card with no annual fee!
If you have multiple employees, it can be a major hassle to have to pass 1 company card back and forth. Fortunately, the Ink Business Cash card allows you to add as many employee cards as you’d like, for no added cost.
The Ink Business Cash card keeps your purchases covered with the following protections:
When you earn cash-back with your Ink Business Cash card, it comes in the form of Chase Ultimate Rewards points. But you should know that using your card isn’t the only way to earn lots of Chase Ultimate Rewards points!
You might think, since the Ink Business Cash is traditionally a cash-back card, that redeeming for cash-back is your only option — but that isn’t true!
In fact, if you pair your Ink Business Cash card with a card that has access to Chase transfer partners, like the Ink Business Preferred® Credit Card, the Chase Sapphire Reserve®, or the Chase Sapphire Preferred® Card, you’ll find that there are so many great ways to redeem your Chase Ultimate Rewards points for huge travel value!
The Amex Blue Business Cash card offers 2% cash-back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash-back earned is automatically credited to your statement.
We’ve compared the Ink Business Cash card to some other popular cards:
For rates and fees of The American Express Blue Business Cash™ Card, click here.
We think that the card is good for anyone spending less than $25,000 per year on your card, and anyone who will utilize the other Chase cards to optimize their reward points.
Having a business line of credit is very beneficial to you, especially when starting up. When you’re in a pinch, a business cash advance also goes a long way.
To fully use the card to its potential, you could also get the Chase Sapphire Preferred card or Ink Business Preferred card.
Yes, technically the card is marketed as a cash-back card. You will earn 1% to 5% cash-back rewards on your purchases depending on the categories, which is usable as a statement credit:
However, in practice, it works as a points card. The cash-back accumulates in Chase Ultimate Rewards as points. From there, you can spend the reward points in the online shopping portals to earn rewards or transfer them to another Chase card account.
While they are both cash-back cards, the main difference is where bonuses are offered. While the Freedom Flex card offers rotating 5% categories each quarter, the Ink Business Cash card allows you to earn 5% in select categories year-round.
The Freedom Flex card also limits your bonus earnings to the first $1,500 of each quarter’s categories, while the Ink Business Cash card allows you to get 5% all year in the same categories on up to $25,000.
After hitting either card’s limits, you will earn 1% cash-back going forward.
Finally, for Ink Business Cash cardholders, Chase offers free cards for employees, as well as tools to help manage and track your spending. You can add 1 authorized user on your Freedom Flex card.
Yes! You can transfer your cash-back in the Ultimate Rewards portal in order to utilize the Chase rewards available. Simply log in to your account, click on Ultimate Rewards, and you will see your points balance on the account.
No. In order to get the travel rewards that Chase offers, you must have the Chase Sapphire Preferred Card, Chase Sapphire Reserve card, or Ink Business Preferred card.
With these, you are able to transfer the points you earn on any Chase Ultimate Rewards card to unlock the travel benefits.
There is a 3% foreign transaction fee.
There is no annual fee for the card.
First, you have the cash-back categories. Earn between 1% to 5% cash-back rewards in selected categories all year round on up to $25,000 in total spending in each of the different tiers (both 5% and 2%).
This cash-back is usable as a statement credit or in the Chase Ultimate Rewards portal.
Next, because it is a business credit card, Chase offers employees free cards. It also offers business apps and tools to help manage and track your spending.
Finally, the card offers a variety of insurances, including purchase, auto rental, and extended warranties.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.