Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
The Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners. It offers a substantial welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection.
Currently, the Ink Business Cash® Credit Card provides a $350 bonus when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. This welcome bonus is exceptional for a no-annual-fee credit card.
Cardholders can 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. Additionally, they can earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.
The card also offers a 0% intro APR on purchases for the first 12 months, followed by a variable APR of 18.49% - 24.49%. This feature can be beneficial for small businesses with upcoming significant expenses.
Furthermore, the Ink Business Cash® Credit Card provides primary rental car insurance when renting for business purposes, purchase protection, extended warranty protection, and various travel benefits. These perks can save businesses money and offer peace of mind during transactions and travels.
While the card is marketed as a cash-back credit card, users actually earn Chase Ultimate Rewards points, which can be redeemed for cash back, gift cards, or travel through the Chase Ultimate Rewards travel portal.
For those interested in maximizing their rewards, combining the Ink Business Cash® Credit Card with other Chase Ultimate Rewards cards like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® can offer additional benefits and redemption options.
In conclusion, the Ink Business Cash® Credit Card is a valuable option for small-business owners seeking a no-annual-fee cash-back credit card with generous rewards, welcome bonuses, and essential business benefits.
