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Chase

Ink Business Cash® Credit Card

Cash BackBusinessNo Annual FeeIntro OfferDiningGasNo Foreign Transaction FeesZero Intro APR

Key Features

Annual Fee$0.00
Intro APR0% intro APR for 12 months from account opening on purchases.
Regular APR
After that, 16.74Min. of (6.75+9.99) and 29.99%–24.74Min. of (6.75+17.99) and 29.99% variable APR.
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Best for those with
Good Credit

About this card

Considering the available ratings and card features, the Ink Business Cash card receives an overall rating of 3.7 out of 5. This places it in the 'Good' category. The card's strengths lie in its excellent rewards program, particularly the high cash back rates in relevant business spending categories, and the absence of an annual fee. The generous sign-up bonus further adds to its appeal. However, the relatively high regular APR is a drawback. While the 0% introductory APR is a plus, the ongoing interest rate could be costly for businesses that carry a balance. Given its target audience of small businesses seeking cash back rewards, the card provides a solid value proposition. The rewards and lack of annual fee outweigh the APR concern, making it a worthwhile option for businesses that pay their balances in full or can take advantage of the intro APR period. The card's reputation and Chase's reliability also contribute to the positive overall assessment.

3.7
Overall Rating

Pros & Cons

What's great

  • No annual fee
  • Intro APR period
  • Generous sign-up bonus
  • Cashback on purchases
  • Employee cards at no additional cost

Things to consider

  • High regular APR
  • Limited rewards categories
  • Requires good or excellent credit

What this card offers

Sign-up bonuses

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

Rewards

  • 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 no limit to the amount you can earn.
  • Earn a total of 5% cash back on Lyft rides through September 30, 2027 with your Chase Ink Cash card.

Other features

  • Get more purchasing power As a Chase cardmember, you'll be automatically checked for a credit line increase every 6 months or sooner.
  • Employee cards at no additional cost Employee cards let you set individual spending limits and help you earn rewards even faster.
  • Auto Rental Coverage Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
  • Travel and Emergency Assistance If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
  • Roadside Assistance If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
  • Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
  • Extended Warranty Protection Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
  • Manage your cash flow Make payments using a business credit card to hold onto your money longer.
  • Build your business credit As your business grows, you'll need access to more capital. With Ink, your business builds its own credit history.
  • Get insights into your business Chase Ink® gives you 24/7 access to view account details, quarterly reports, up to 24 months of statement details, and more.
  • Separate business and personal expenses Easily track expenses and maintain records for tax reporting and other business needs. Integrate your Chase Ink® credit card with bookkeeping software to simplify accounting.
  • Enjoy peace of mind Chase helps keep your accounts safe with account alerts. Choose the alerts you want and how you'd like to receive them.
  • Cash Back Redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. There are no minimums to redeem your Cash Back rewards points.
  • Travel Access to millions of flights, over 300k places to stay, and thousands of activities when you book through Chase TravelSM.
  • Apple® Ultimate Rewards Store Boost office productivity with a technology refresh. Use your points to pay for all or part of your Apple purchases through Ultimate Rewards.
  • Gift Cards Whether it's for yourself, your clients, or your employees – the choice of where to redeem your business rewards is yours. Chase offers over 150 of your favorite gift card brands including hotels, office supply stores, electronics and more.
  • Chase Pay Over Time Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time eligible" option next to the transaction amount in your credit card account activity.

Additional Notes

The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee. We may also consider factors pertinent to your business in determining your bonus eligibility. Chase Ink Business Cash credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

Ratings

4.3
4.1
4.5
2.5
4.5