Chase
Ink Business Cash® Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | After that, 16.74%–24.74% variable APR. |
About this card
Considering the individual ratings and the card's reputation, the Ink Business Cash card receives an overall rating of 4.1 out of 5. This places it in the 'Excellent' category. The card's major strengths lie in its strong rewards program, particularly the high cash back rates in relevant business spending categories, and the absence of an annual fee. The reputation of Chase as a reliable issuer also 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 for businesses that pay their balances in full or can take advantage of the intro APR period. Strengths: * High cash back rewards on common business expenses * No annual fee * Generous sign-up bonus * Strong reputation of issuer (Chase) * Intro APR period Weaknesses: * High regular APR * Spending caps on bonus rewards categories
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- Cashback on purchases
- Employee cards at no additional cost
Things to consider
- High regular APR
- Limited rewards categories
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 Business Cash card.
Other features
- 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.
- Ways to redeem rewards
- Travel & purchase coverage
- Stay on top of your business
- Chase Pay Over Time®
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.